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The First National Bank Of Oneida

Oneida, TN · Est. 1904 · Website ↗
A
Trust Grade
Excellent
Score: 95/100

The First National Bank Of Oneida is a bank based in Oneida, Tennessee, established in 1904, with $368 million in total assets across 4 branches. By Trust Grade it ranks 61st of 109 banks we track in Tennessee. Its capital ratio of 9.1% trails most similarly sized banks (32th percentile), versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.91% return on assets. No consumer complaints against The First National Bank Of Oneida appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$367.9M
$100M–1B institution
Deposits
$329.9M
Branches
4
Capital ratio
9.1%
Bottom 32% of $100M–1B peers · Tennessee median 9.8%
Return on assets
1.9%
Top 15% of $100M–1B peers · Tennessee median 1.07%
Rank in Tennessee
#61
of 109 banks

How The First National Bank Of Oneida compares to Tennessee peers

Capital ratio
Bottom 32% of $100M–1B peers
The First
9.1%
Tennessee median
9.8%
Higher capital ratio = stronger financial cushion
Return on assets
Top 15% of $100M–1B peers
The First
1.9%
Tennessee median
1.1%
Higher ROA = more profitable relative to asset base

How we graded The First National Bank Of Oneida

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
95/100
Customer experience
n/a
Overall
A · 95
  • Strongly capitalized (9.1% capital ratio)
  • Strongly profitable (ROA 1.91%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The First National Bank Of Oneida over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (4)

  • 250 National Dr, Helenwood, TN 37755
  • 24907 Scott Hwy, Winfield, TN 37892
  • 19260 Alberta St, Oneida, TN 37841
  • 2408 Jacksboro Pike, La Follette, TN 37766

Are deposits at The First National Bank Of Oneida insured?

Yes. The First National Bank Of Oneida is an FDIC-insured bank (FDIC certificate #4958). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The First National Bank Of Oneida: frequently asked questions

Is The First National Bank Of Oneida a good bank?

The First National Bank Of Oneida earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 1.91%).

Is The First National Bank Of Oneida FDIC-insured?

Yes. The First National Bank Of Oneida is a FDIC-insured bank (FDIC certificate #4958). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The First National Bank Of Oneida?

The First National Bank Of Oneida holds $368 million in total assets, ranking 61st of 109 banks we track in Tennessee. It operates 4 branches.

Does The First National Bank Of Oneida have CFPB complaints?

No CFPB complaints against The First National Bank Of Oneida appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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