THE FIRST NATIONAL BANK OF ONEIDA

ONEIDA, TN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1904FDIC #4,958

Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.91%

Institution Profile

FDIC BankFind

Website

www.fnboneida.com

Address

19260 Alberta St, ONEIDA, TN

County

Scott County

Established

January 1, 1904

Total Assets

$368M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 8, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$368M

Total Deposits

$330M

Net Loans

$220M

Net Income

$2M

ROA

1.91%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.55%

Risk-Based Capital

19.86%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.91%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.86%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate6.90%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$308M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	145	80.69%	6.90%
2023	155	80%	7.10%
2022	220	76.36%	11.36%
2021	203	71.43%	13.79%
2020	169	66.27%	20.12%
2019	196	80.61%	12.24%
2018	147	78.23%	12.24%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2024	Satisfactory	Small Bank
Jul 2021	Satisfactory	Small Bank
May 2017	Satisfactory	Small Bank

4 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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