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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

$943.8MAssets
$707.4MLoans
$702.1MDeposits
$88.8MEquity
Loan mix
95%RE $636.2M5%C&I $30.6M1%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $612.2M13%Noninterest $89.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.72%0.73%0.39%0.73%+11 bps
Return on Equity5.69%6.67%6.73%3.65%7.13%+144 bps
Net Interest Margin4.69%4.44%4.60%4.56%4.49%-20 bps
Efficiency Ratio94.07%93.06%92.59%95.60%92.12%-195 bps
Non-Interest Burden3.88%3.53%3.61%4.00%3.51%-37 bps
Growth
Asset Growth (YoY)-1.22%-0.51%6.27%13.32%15.99%+1,721 bps
Loan Growth (YoY)-1.73%0.86%11.55%16.60%14.96%+1,668 bps
Deposit Growth (YoY)-1.02%5.45%10.00%7.97%13.13%+1,415 bps
Asset Quality
Nonperforming Loans / Loans0.91%1.66%1.35%1.16%0.75%-16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.41%0.20%+20 bps
Allowance / Loans0.51%0.52%0.57%0.47%0.47%-4 bps
Allowance Coverage of NPLs0.6x0.3x0.4x0.4x0.6x+0.1x
Capital
Tier 1 Leverage Ratio12.01%11.18%11.54%11.64%10.32%-169 bps
Total Risk-Based Capital16.48%16.41%16.48%16.19%15.37%-111 bps
Equity / Assets10.65%10.78%10.71%10.48%9.41%-124 bps
Liquidity & Funding
Loans / Deposits99.16%98.87%101.23%103.68%100.76%+160 bps
Liquid Assets / Assets1.46%1.08%2.11%1.01%3.45%+199 bps
CRE / Total Capitaln/a279%270%285%n/an/a