Bank · FDIC insured
First National Bank
A $1.5B bank headquartered in Pulaski, TN, with 13 branches in 2 states. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.25%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank
First National Bank operates 13 branches throughout Tennessee and Alabama and has been independently owned for decades.
- Headquarters
- 206 S 1st St, Pulaski, TN 38478
- FDIC certificate
- 15572 ↗
Branches
13 branches in 2 states
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Tennessee
8 branches
Pulaski area · 3
- First National Bank of PulaskiMain office206 S 1st St, Pulaski, TN 38478Directions
- Industrial Park Branch100 Bennett Dr, Pulaski, TN 38478Directions
- Pulaski Branch820 Mill St, Pulaski, TN 38478Directions
Fayetteville area · 2
- Lincoln County Branch405 College St W, Fayetteville, TN 37334Directions
- Park City Branch2850 Huntsville Hwy, Fayetteville, TN 37334Directions
Ardmore area · 1
- Ardmore Branch26591 Main St, Ardmore, TN 38449Directions
Lewisburg area · 1
- Lewisburg Branch1190 N Ellington Pkwy, Lewisburg, TN 37091Directions
Lynnville area · 1
- Lynnville Branch159 Mill St, Lynnville, TN 38472Directions
Alabama
5 branches
Athens area · 2
- Athens Branch1880 Us Highway 72 E, Athens, AL 35611Directions
- Athens Downtown Branch321 S Jefferson St, Athens, AL 35611Directions
Cullman area · 1
- Cullman Branch1645 Derenda Avenue Sw, Suite E, Cullman, AL 35055Directions
Huntsville area · 1
- Huntsville Branch2101 Clinton Ave W, Huntsville, AL 35805Directions
Madison area · 1
- Madison Office Branch503 Town Madison Blvd, Madison, AL 35758Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.32% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.24% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.40% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalLeverage ratio11.32%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.24%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.40%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.