BlastPoint's Banking Scorecard

First Community Bank of Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 27211

Shelbyville, TN

5 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

First Community Bank of Tennessee has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 24.6% in tier
+ Net Interest Margin 1.00% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 11.6% in tier
- Efficiency Ratio 30.31% above tier average
- Loan-to-Deposit Ratio 26.56% above tier average
- ROA 0.88% below tier average
- Delinquency Rate 0.28% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$854.0M +13.3% YoY +2.3% QoQ	+$468.0M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 5.7% in tier
Total Loans ?	$670.9M +16.7% YoY +4.1% QoQ	+$415.2M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 3.5% in tier
Total Deposits ?	$650.1M +8.0% YoY +1.6% QoQ	+$322.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 9.7% in tier
Return on Assets ?	0.39% -46.8% QoQ	-0.88%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Bottom 10.3% in tier
Net Interest Margin ?	4.93% +5.3% YoY -6.3% QoQ	+1.00%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 8.3% in tier
Efficiency Ratio ?	95.60% -4.5% YoY +3.2% QoQ	+30.31%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 3.7% in tier
Delinquency Rate ?	1.17% +37.2% YoY -14.3% QoQ	+0.28%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	103.20% +8.1% YoY +2.5% QoQ	+26.56%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Bottom 6.0% in tier
Non-Interest-Bearing Deposit Share ?	13.16% -32.1% YoY -7.0% QoQ	-8.86%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	1.09% +11.6% YoY -11.3% QoQ	+0.45%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	15.60% -5.3% YoY -1.1% QoQ	-0.24%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	1.90% -0.4% YoY -77.3% QoQ	+1.62%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 1.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#165 of 666 • Top 24.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.90%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.39%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#24 of 198 • Bottom 11.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.16%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.90%

Peer Median: 0.28%

#27 of 2664 Top 1.0% in $100M-$1B

Total Loans

size

Value: $670.92M

Peer Median: $255.72M

#94 of 2664 Top 3.5% in $100M-$1B

153

Total Assets

size

Value: $854.04M

Peer Median: $386.08M

#153 of 2664 Top 5.7% in $100M-$1B

222

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.93%

#222 of 2664 Top 8.3% in $100M-$1B

259

Total Deposits

size

Value: $650.12M

Peer Median: $327.97M

#259 of 2664 Top 9.7% in $100M-$1B

Top Weaknesses (6 metrics)

2566

Efficiency Ratio

profitability

Value: 95.60%

Peer Median: 65.29%

#2566 of 2664 Bottom 3.7% in $100M-$1B

2505

Loan-to-Deposit Ratio

liquidity

Value: 103.20%

Peer Median: 76.64%

#2505 of 2664 Bottom 6.0% in $100M-$1B

2391

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.27%

#2391 of 2664 Bottom 10.3% in $100M-$1B

2189

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.64%

#2189 of 2664 Bottom 17.9% in $100M-$1B

2188

Non-Interest-Bearing Deposit Share

funding

Value: 13.16%

Peer Median: 22.02%

#2188 of 2664 Bottom 17.9% in $100M-$1B

1996

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#1996 of 2654 Bottom 24.8% in $100M-$1B