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First Community Bank of Tennessee

Shelbyville, TN · Cert 27211 · First Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank of Tennessee

Shelbyville, TN · Cert 27211 · First Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$943.8MAssets
$707.4MLoans
$702.1MDeposits
$88.8MEquity
Loan mix
95%RE $636.2M5%C&I $30.6M1%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $612.2M13%Noninterest $89.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.73%, up 11 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.75% of loans (-16 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 10.32%, down 169 bps from a year ago.
  • Funding: loans stand at 100.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-20 bps YoY

Efficiency Ratio (YTD, annualized)

92.12%-195 bps YoY

Tier 1 Leverage Ratio

10.32%-169 bps YoY

NIM

7.57%Q2 ’247.36%Q2 ’257.11%Q2 ’26+8%-4%

Non-interest income vs. expense

10.94%Q2 ’2412.52%Q2 ’2511.24%Q2 ’26+16%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.30%-0.01%0.62%0.72%0.73%0.39%0.73%+11 bps
Return on Equity4.22%2.86%-0.08%5.69%6.67%6.73%3.65%7.13%+144 bps
Net Interest Margin4.41%4.48%4.38%4.69%4.44%4.60%4.56%4.49%-20 bps
Efficiency Ratio96.35%98.99%100.06%94.07%93.06%92.59%95.60%92.12%-195 bps
Non-Interest Burden3.96%4.34%4.38%3.88%3.53%3.61%4.00%3.51%-37 bps
Growth
Asset Growth (YoY)5.88%-0.52%-5.19%-1.22%-0.51%6.27%13.32%15.99%+1,721 bps
Loan Growth (YoY)4.35%-2.16%-1.19%-1.73%0.86%11.55%16.60%14.96%+1,668 bps
Deposit Growth (YoY)5.28%0.72%1.05%-1.02%5.45%10.00%7.97%13.13%+1,415 bps
Asset Quality
Nonperforming Loans / Loans1.40%0.99%0.85%0.91%1.66%1.35%1.16%0.75%-16 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.00%0.00%0.00%0.41%0.20%+20 bps
Allowance / Loans0.61%0.54%0.55%0.51%0.52%0.57%0.47%0.47%-4 bps
Allowance Coverage of NPLs0.4x0.5x0.6x0.6x0.3x0.4x0.4x0.6x+0.1x
Capital
Tier 1 Leverage Ratio11.27%11.26%12.39%12.01%11.18%11.54%11.64%10.32%-169 bps
Total Risk-Based Capital15.86%17.28%17.11%16.48%16.41%16.48%16.19%15.37%-111 bps
Equity / Assets10.74%10.74%11.23%10.65%10.78%10.71%10.48%9.41%-124 bps
Liquidity & Funding
Loans / Deposits103.37%99.82%96.01%99.16%98.87%101.23%103.68%100.76%+160 bps
Liquid Assets / Assets0.92%5.60%1.14%1.46%1.08%2.11%1.01%3.45%+199 bps
CRE / Total Capitaln/an/an/an/a279%270%285%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Community Bank of Tennessee

Shelbyville, TN · Cert 27211 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$943.8MAssets
$707.4MLoans
$702.1MDeposits
$88.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets operating in a single state (rank 96 of 746).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets operating in a single state (rank 696 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.67%

Rank 577 of 746

Net Interest Margin

4.49%

Rank 96 of 746

Efficiency Ratio

92.12%

Rank 696 of 746

Equity / Assets

9.41%

Rank 505 of 746

Non-interest income vs. expense

$70.5M$102.5MINCOMEEXPENSE
Unfavorable gap of $32.0M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state
Bank 92.12%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.67%0.72%1.06%1.45%Beats 23%577 / 746
Return on Equity7.17%6.74%10.51%13.63%Beats 28%535 / 746
Net Interest Margin4.49%3.17%3.68%4.16%Beats 87%96 / 746
Efficiency Ratio92.12%55.74%64.58%75.47%Beats 7%696 / 746
Asset Quality
Nonperforming Loans / Loans0.75%0.09%0.42%1.07%Beats 35%487 / 743
Net Charge-Offs / Loans0.10%0.00%0.01%0.05%Beats 15%636 / 743
Capital
Tier 1 Capital Ratio14.78%11.55%13.75%17.60%Beats 59%305 / 746
Total Risk-Based Capital Ratio15.37%11.71%14.33%18.43%Beats 58%310 / 746
Equity / Assets9.41%8.90%10.51%13.06%Beats 32%505 / 746
Liquidity & Funding
Loans / Deposits100.76%61.31%78.27%90.78%90th pctl72 / 746
Loans / Assets74.95%53.60%66.97%76.08%71st pctl217 / 746
Brokered Deposits / Depositsn/aNot reported for this institution