D
First Community Bank of Tennessee
Rating Date
August 2026
Risk Based
Capital Ratio
15.37
Leverage
Ratio
10.32
Return On
Assets
0.74%
Total
Assets
943.79M
Capital
88.81M
Total
Deposits
702.09M
Net
Income
3.18M
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Weiss Ratings First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Rating D
Asset Quality Index 5.50
Capitalization Index 9.00
Liquidity Index 0.20
Profitability Index 3.90
Stability Index 3.70
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 15.99%
5-Year Asset Growth 0.62%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 0.66%
Non-Performing Loans to Capital 5.45%
Non-Performing Loans to Loans 0.68%
Balance Sheet First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Total Assets 943.79M
Total Deposits 702.09M
Capital and Reserves First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Capital 88.81M
Leverage Ratio 10.32
Loan Loss Reserves to Loans 0.47%
Risk-Based Capital Ratio 15.37
Liquidity First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Hot Money Ratio 32.97%
Liquidity Ratio 16.52%
Profitability First Community Bank of Tennessee
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 0.46%
Net Income 3.18M
Net Interest Spread 5.26%
Operating Profit to Average Assets 0.95%
Overhead Efficiency Ratio 92.12%
Return on Assets 0.74%
Return on Equity 7.21%