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
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% | 1.06% | 1.45% | Beats 23% | 577 / 746 | |
| Return on Equity | 7.17% | 6.74% | 10.51% | 13.63% | Beats 28% | 535 / 746 | |
| Net Interest Margin | 4.49% | 3.17% | 3.68% | 4.16% | Beats 87% | 96 / 746 | |
| Efficiency Ratio | 92.12% | 55.74% | 64.58% | 75.47% | Beats 7% | 696 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.07% | Beats 35% | 487 / 743 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 15% | 636 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.78% | 11.55% | 13.75% | 17.60% | Beats 59% | 305 / 746 | |
| Total Risk-Based Capital Ratio | 15.37% | 11.71% | 14.33% | 18.43% | Beats 58% | 310 / 746 | |
| Equity / Assets | 9.41% | 8.90% | 10.51% | 13.06% | Beats 32% | 505 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 100.76% | 61.31% | 78.27% | 90.78% | 90th pctl | 72 / 746 | |
| Loans / Assets | 74.95% | 53.60% | 66.97% | 76.08% | 71st pctl | 217 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |