What is First Community Bank of Tennessee's financial health grade?

First Community Bank of Tennessee has a TFS Financial Health Grade of C- (score: 72.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Community Bank of Tennessee have?

First Community Bank of Tennessee has 5 branch locations across the United States.

Is First Community Bank of Tennessee FDIC insured?

Yes, First Community Bank of Tennessee is FDIC insured (Certificate #27211).

What are the total assets of First Community Bank of Tennessee?

First Community Bank of Tennessee has total assets of $834.9M as reported in its most recent FDIC filing.

First Community Bank of Tennessee

BankShelbyville, Tennessee

www.firstcommunitybanker.com

Total Assets

$834.9M

Total Deposits

$640.0M

Branches

Established

1988

TFS Health Grade

C-

72.7 / 100

Average financial health

How we grade

First Community Bank of Tennessee is a bank headquartered in Shelbyville, Tennessee, established in 1988. With $834.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (72.7/100).

Capital & Safety

Tier 1 Capital Ratio

11.54%(8%)

Total Capital Ratio

16.48%(10%)

Non-Performing Loan Ratio

1.35%

Profitability

Return on Assets (ROA)

0.73%(1%)

Return on Equity (ROE)

6.73%(10%)

Net Interest Margin

5.26%

Efficiency Ratio

92.59%(60%)

Lending & Liquidity

Total Loans

$647.9M

Loan-to-Deposit Ratio

100.65%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+6.27%

Deposit Growth (YoY)

+10.00%

Net Income

$5.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Community Bank of TennesseeHQ	207 Elm St	Shelbyville	TN	11
First Community Bank of Tennessee	535 Majors Blvd	Lynchburg	TN	11
First Community Bank of Tennessee	275 Robert Rose Dr	Murfreesboro	TN	24
First Community Bank of Tennessee	1051 Madison St	Shelbyville	TN	23
First Community Bank of Tennessee	2841 Highway 231 N	Shelbyville	TN	23

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.