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First Community Bank of Tennessee

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

Shelbyville, TN

5 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +13.1% year over year ($702.1M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 0.73%.
  • Efficiency ratio 92.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

First Community Bank of Tennessee has 3 strengths but faces 4 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 17.8% in tier
  • + Net Interest Margin 1.21% above tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 26.5% in tier
  • - Efficiency Ratio 27.64% above tier average
  • - Loan-to-Deposit Ratio 22.33% above tier average
  • - ROA 0.60% below tier average
Get updates when First Community Bank of Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $943.8M
+16.0% YoY +10.5% QoQ
+$557.2M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Top 2.0% in tier
Total Loans ? $704.1M
+15.0% YoY +4.9% QoQ
+$445.7M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 2.4% in tier
Total Deposits ? $702.1M
+13.1% YoY +8.0% QoQ
+$375.4M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Top 6.7% in tier
Return on Assets ? 0.73%
+17.3% YoY +87.4% QoQ
-0.60% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 5.20%
-0.8% YoY +5.5% QoQ
+1.21% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 5.5% in tier
Efficiency Ratio ? 92.12%
-2.1% YoY -3.6% QoQ
+27.64% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Bottom 4.6% in tier
Delinquency Rate ? 0.75%
-17.4% YoY -35.5% QoQ
-0.17% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 100.29%
+1.7% YoY -2.8% QoQ
+22.33% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 9.9% in tier
Non-Interest-Bearing Deposit Share ? 12.80%
-20.6% YoY -2.7% QoQ
-9.23% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.71%
-23.3% YoY -34.2% QoQ
+0.04% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 14.78%
-6.9% YoY -5.2% QoQ
-1.13% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 3.73%
-10.2% YoY +96.7% QoQ
+3.17% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 0.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 12.8%
-3.3pp YoY
-0.4pp QoQ
 -9.3pp 22.1% 18.8% 22.2% 16%
Brokered Deposits 28.4%
-3.0pp YoY
-3.6pp QoQ
 +20.5pp 7.9% 9.4% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 4.9%
+0.1pp YoY
+0.3pp QoQ
 -6.7pp 11.6% 10.9% 12.5% 19%
CRE 39.3%
-2.7pp YoY
-1.0pp QoQ
 -0.2pp 39.5% 42.4% 41.4% 51%
1-4 Family 54.2%
+2.8pp YoY
+0.7pp QoQ
 +21.6pp 32.6% 39.8% 31.3% 86%
Consumer 0.8%
-0.1pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 4.5% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 14.8%
-1.1pp YoY
-0.8pp QoQ
 -4.0pp 18.8% 14.8% 19.7% 47%
Leverage Ratio 10.3%
-1.7pp YoY
-1.3pp QoQ
 -1.8pp 12.2% 11.4% 12.6% 38%
Total Capital Ratio 15.4%
-1.1pp YoY
-0.8pp QoQ
 -4.6pp 19.9% 15.9% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 454
-82 (-15.3%) YoY
-24 (-5.0%) QoQ
 +395 58 270 482 100%
Assets per Employee ($) $2.1M
+36.9% YoY
+16.4% QoQ
 -$5.4M $7.5M $7.1M $8.8M 1%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.6pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 44%
Nonaccrual 0.7%
+0.5pp YoY
0.0pp QoQ
 -0.3pp 0.9% 0.7% 1.0% 62%
Allowance Coverage 0.63x
+11.1% YoY
+55.5% QoQ
 -23.53x 24.15x 28.97x 20.23x 15%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 7.1%
+1.4pp YoY
+3.5pp QoQ
 -5.1pp 12.2% 10.9% 11.6% 22%
Cost of Funds (YTD) 3.1%
+0.1pp YoY
+0.2pp QoQ
 +1.3pp 1.7% 2.0% 1.7% 98%
Net Income ($, YTD) $3.2M
+31.2% YoY
— QoQ
 +$628K $2.6M $16.7M $40.4M 72%

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
#119 of 661 • Top 17.8% 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: 3.73%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.73%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline
#44 of 162 • Bottom 26.5% 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: 12.80%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

26
Non-Interest Income / Assets
revenue_mix
Value: 3.73%
Peer Median: 0.57%
#26 of 2643 Top 0.9% in $100M-$1B
54
Total Assets
size
Value: $943.79M
Peer Median: $386.57M
#54 of 2643 Top 2.0% in $100M-$1B
64
Total Loans
size
Value: $704.09M
Peer Median: $258.35M
#64 of 2643 Top 2.4% in $100M-$1B
146
Net Interest Margin
profitability
Value: 5.20%
Peer Median: 3.99%
#146 of 2643 Top 5.5% in $100M-$1B
179
Total Deposits
size
Value: $702.09M
Peer Median: $326.73M
#179 of 2643 Top 6.7% in $100M-$1B

Top Weaknesses (4 metrics)

2523
Efficiency Ratio
profitability
Value: 92.12%
Peer Median: 64.48%
#2523 of 2643 Bottom 4.6% in $100M-$1B
2382
Loan-to-Deposit Ratio
liquidity
Value: 100.29%
Peer Median: 77.95%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2203
Non-Interest-Bearing Deposit Share
funding
Value: 12.80%
Peer Median: 22.03%
#2203 of 2643 Bottom 16.7% in $100M-$1B
2118
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.32%
#2118 of 2643 Bottom 19.9% in $100M-$1B
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