First Community Bank of Tennessee
Shelbyville, TN · Cert 27211 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 86% of banks under $1B in assets operating in a single state (rank 102 of 752).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets operating in a single state (rank 701 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.67%
Rank 584 of 752
Net Interest Margin
4.49%
Rank 102 of 752
Efficiency Ratio
92.12%
Rank 701 of 752
Equity / Assets
9.41%
Rank 518 of 752
Non-interest income vs. expense
Unfavorable gap of $32.0M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.72% | 1.07% | 1.45% | Beats 22% | 584 / 752 | |
| Return on Equity | 7.17% | 6.78% | 10.58% | 13.65% | Beats 28% | 543 / 752 | |
| Net Interest Margin | 4.49% | 3.18% | 3.69% | 4.17% | Beats 86% | 102 / 752 | |
| Efficiency Ratio | 92.12% | 55.75% | 64.49% | 75.47% | Beats 7% | 701 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.03% | Beats 34% | 492 / 748 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 16% | 633 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 14.78% | 11.55% | 13.75% | 17.60% | Beats 59% | 305 / 752 | |
| Total Risk-Based Capital Ratio | 15.37% | 11.70% | 14.33% | 18.47% | Beats 58% | 314 / 752 | |
| Equity / Assets | 9.41% | 8.93% | 10.56% | 13.13% | Beats 31% | 518 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 100.76% | 62.23% | 78.64% | 91.26% | 90th pctl | 75 / 752 | |
| Loans / Assets | 74.95% | 54.61% | 67.41% | 76.47% | 70th pctl | 225 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |