At a glance
From its website, read 2 Nov 2026The First National Bank of Oneida is a bank or thrift based in Helenwood, Tennessee. Its website describes commercial real estate loans, equipment loans, home repair loans and 3 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (423) 569-8586 source |
|---|---|
| Lending | (423) 569-6386 source |
| Lending | (423) 663-2395 source |
| Apply online | Page with the application link |
| Website | www.fnboneida.com |
| Office (official list) | 250 National Drive, Helenwood, TN 37755 |
What their website says about applying
Call one of our loan officers today or visit one of our offices nearest you.
sourceFor new customers of First National Bank, we will ask you to come to the nearest location in person to complete the account process.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Sep 2026 |
| RSSD ID | 966731 |
| Address | 250 National Drive, Helenwood, TN 37755 Directions (Google Maps) |
| Website | www.fnboneida.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and a defined service area are not stated on the pages fetched; product names appear as list labels only. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Real Estate Loans | source |
| Equipment loans | — | Equipment Loans | source |
| Home repair / improvement loans | — | Home Improvement | source |
| Home mortgages | — | Fixed and Adjustable Rate Home Loans | source |
| Personal / consumer loans | — | Personal Loan Application | source |
| Small-business loans | — | First National Bank offers a variety of business lending services including: | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. FNB Personal Loan Application
source
Pages read (7)
- https://www.fnboneida.com/
- https://www.fnboneida.com/loans/mortgages
- https://www.fnboneida.com/loans/consumer-loans
- https://www.fnboneida.com/personal-loan-application
- https://www.fnboneida.com/loans/commercial-loans
- https://www.fnboneida.com/loans/home-equity-lines-of-credit
- https://www.fnboneida.com/e-services/edocs
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$527,924 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $90,574 |
| 2023 | Bank Enterprise Award Program | $437,350 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as The First National Bank of Oneida (FDIC cert 4958). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $367.8 million (as of 30 Jun 2026) |
|---|---|
| Offices | 4 (as of 30 Oct 2026) |
Offices by state and county (4)
Tennessee (4 offices)
- Campbell County (1): 2408 Jacksboro Pike, La Follette 37766
- Scott County (3): 19260 Alberta St, Oneida 37841 (main office); 250 National Dr, Helenwood 37755; 24907 Scott Hwy, Winfield 37892
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by The First National Bank of Oneida (RSSD 966731, FDIC cert 4958). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $232.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.4% from $212.2 million on 30 Jun 2025 |
| Total assets | $367.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $101.7 million | 43.8% |
| Home equity lines of credit | $6.7 million | 2.9% |
| Commercial real estate, construction and multifamily | $94.1 million | 40.5% |
| Commercial and industrial (business) loans | $11.4 million | 4.9% |
| Farmland and farm production loans | $3.6 million | 1.5% |
| Consumer loans (credit cards, auto, other) | $11.8 million | 5.1% |
| All other loans and leases | $3 million | 1.3% |
Within consumer loans: auto loans $4.9 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 29 loans $1.3 million | 233 loans $5.1 million |
| $100,001 to $250,000 | 54 loans $7 million | 35 loans $3.8 million |
| $250,001 to $1 million | 57 loans $19.6 million | 9 loans $2.2 million |
| All small business loans | 140 loans $27.8 million | 277 loans $11 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 9 loans $346,000 | none reported |
| $100,001 to $250,000 | 6 loans $671,000 | none reported |
| $250,001 to $500,000 | 1 loan $97,000 | none reported |
| All small farm loans | 16 loans $1.1 million | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025The First National Bank of Oneida reported 165 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $33M (median loan about $135,000). 96 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 96 | 58% |
| Refinance (incl. cash-out) | 46 | 28% |
| Home improvement | 10 | 6.1% |
| Other purpose | 13 | 7.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 165 | 100% |
Included above: 39 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 11 counties with at least one; 97% of its 2025 loans were for properties in Tennessee:
- Scott County, TN (113)
- Campbell County, TN (16)
- Knox County, TN (14)
- Anderson County, TN (5)
- Loudon County, TN (5)
- McCreary County, KY (4)
- Morgan County, TN (4)
Filed under LEI 549300DK8GVTLGSA4H75 as “FIRST NATIONAL BANK OF ONEIDA”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $367.8 million | Larger than 53% of the 17 other certified banks and bank holding companies in Tennessee (median $325.6 million). |
| Loans as a share of assets | 63% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $212.2 million → $232.2 million (+9%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +7%. Rank by loans held among these 18: 11 → 11. |
| Home loans originated in 2025 (HMDA) | 165 | More than 63% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 53% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 11 → 11 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 63% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Helenwood and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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