D
First Community Bank of Tennessee
Rating Date
October 2025
Risk Based
Capital Ratio
16.48
Leverage
Ratio
12.01
Return On
Assets
0.64%
Total
Assets
813.70M
Capital
86.63M
Total
Deposits
620.61M
Net
Income
2.43M
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Weiss Ratings First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Rating D
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 1.30
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 -1.22%
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 0.39%
Non-Performing Loans to Capital 1.54%
Non-Performing Loans to Loans 0.19%
Balance Sheet First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Total Assets 813.70M
Total Deposits 620.61M
Capital and Reserves First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Capital 86.63M
Leverage Ratio 12.01
Loan Loss Reserves to Loans 0.51%
Risk-Based Capital Ratio 16.48
Liquidity First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Hot Money Ratio 31.29%
Liquidity Ratio 13.71%
Profitability First Community Bank of Tennessee
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.46%
Net Income 2.43M
Net Interest Spread 5.39%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 94.07%
Return on Assets 0.64%
Return on Equity 5.71%