Shelbyville, TN · Cert 27211 · First Community Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.30% | -0.01% | 0.62% | 0.72% | 0.73% | 0.39% | 0.73% | +11 bps | |
| Return on Equity | 4.22% | 2.86% | -0.08% | 5.69% | 6.67% | 6.73% | 3.65% | 7.13% | +144 bps | |
| Net Interest Margin | 4.41% | 4.48% | 4.38% | 4.69% | 4.44% | 4.60% | 4.56% | 4.49% | -20 bps | |
| Efficiency Ratio | 96.35% | 98.99% | 100.06% | 94.07% | 93.06% | 92.59% | 95.60% | 92.12% | -195 bps | |
| Non-Interest Burden | 3.96% | 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 / Loans | 1.40% | 0.99% | 0.85% | 0.91% | 1.66% | 1.35% | 1.16% | 0.75% | -16 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.20% | +20 bps | |
| Allowance / Loans | 0.61% | 0.54% | 0.55% | 0.51% | 0.52% | 0.57% | 0.47% | 0.47% | -4 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.6x | 0.6x | 0.3x | 0.4x | 0.4x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.27% | 11.26% | 12.39% | 12.01% | 11.18% | 11.54% | 11.64% | 10.32% | -169 bps | |
| Total Risk-Based Capital | 15.86% | 17.28% | 17.11% | 16.48% | 16.41% | 16.48% | 16.19% | 15.37% | -111 bps | |
| Equity / Assets | 10.74% | 10.74% | 11.23% | 10.65% | 10.78% | 10.71% | 10.48% | 9.41% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.37% | 99.82% | 96.01% | 99.16% | 98.87% | 101.23% | 103.68% | 100.76% | +160 bps | |
| Liquid Assets / Assets | 0.92% | 5.60% | 1.14% | 1.46% | 1.08% | 2.11% | 1.01% | 3.45% | +199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 279% | 270% | 285% | n/a | n/a | |