D
First Community Bank of Tennessee
Rating Date
October 2025
Risk Based
Capital Ratio
16.41
Leverage
Ratio
11.18
Return On
Assets
0.73%
Total
Assets
807.09M
Capital
86.98M
Total
Deposits
621.03M
Net
Income
4.28M
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Weiss Ratings First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Rating D
Asset Quality Index 7.10
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 3.70
Stability Index 8.30
Company Info First Community Bank of Tennessee
Shelbyville, TN 		Click to
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FDIC Number 27211
Phone Number (931) 684-5800
Website www.firstcommunitybanker.com
Asset Quality First Community Bank of Tennessee
Shelbyville, TN 		Click to
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1-Year Asset Growth -0.51%
5-Year Asset Growth 7.53%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.87%
Non-Performing Loans to Capital 5.55%
Non-Performing Loans to Loans 0.86%
Balance Sheet First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Total Assets 807.09M
Total Deposits 621.03M
Capital and Reserves First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Capital 86.98M
Leverage Ratio 11.18
Loan Loss Reserves to Loans 0.52%
Risk-Based Capital Ratio 16.41
Liquidity First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Hot Money Ratio 32.26%
Liquidity Ratio 12.44%
Profitability First Community Bank of Tennessee
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.46%
Net Income 4.28M
Net Interest Spread 5.26%
Operating Profit to Average Assets 0.93%
Overhead Efficiency Ratio 93.06%
Return on Assets 0.73%
Return on Equity 6.67%