D
First Community Bank of Tennessee
Rating Date
March 2026
Risk Based
Capital Ratio
16.48
Leverage
Ratio
11.55
Return On
Assets
0.73%
Total
Assets
834.87M
Capital
89.41M
Total
Deposits
640.03M
Net
Income
5.82M
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Weiss Ratings First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Rating D
Asset Quality Index 6.00
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 3.60
Stability Index 8.10
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 6.27%
5-Year Asset Growth 0.62%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.81%
Non-Performing Loans to Capital 8.98%
Non-Performing Loans to Loans 0.82%
Balance Sheet First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Total Assets 834.87M
Total Deposits 640.03M
Capital and Reserves First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Capital 89.41M
Leverage Ratio 11.55
Loan Loss Reserves to Loans 0.57%
Risk-Based Capital Ratio 16.48
Liquidity First Community Bank of Tennessee
Shelbyville, TN 		Click to
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Hot Money Ratio 28.47%
Liquidity Ratio 12.86%
Profitability First Community Bank of Tennessee
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.46%
Net Income 5.82M
Net Interest Spread 5.32%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 92.59%
Return on Assets 0.73%
Return on Equity 6.75%