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First Community Bank of East Tennessee

Rogersville, TN · Cert 33794

FDIC · 4 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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 (n=535 to 585). 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

26

Q2 2024Q3 2025peer median (50)

Asset Quality

19

Q2 2024Q3 2025peer median (50)

Profitability

39

Q2 2024Q3 2025peer median (50)

Liquidity

99

Q2 2024Q3 2025peer median

Efficiency

18

Q2 2024Q3 2025peer 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 East Tennessee

Rogersville, TN · Cert 33794

FDIC · 4 branches

Q3 2025

$206.4MAssets
$138.6MLoans
$176.7MDeposits
$21.3MEquity
Loan mix
94%RE $125.3M4%C&I $5.1M2%Consumer $2.3MQ3 2024Q3 2025
Deposit mix
74%Interest-bearing $130.3M26%Noninterest $46.4MQ3 2024Q3 2025

NIM

4.63%Q3 ’234.95%Q3 ’244.89%Q3 ’25-6%-2%

Non-interest income vs. expense

2.76%Q3 ’232.91%Q3 ’243.54%Q3 ’25+17%+27%

Market Position · Kingsport-Bristol, TN-VA · 2025 SOD (annual) · 3.3% share · #10 of 26 inst. · $0.2B of $5.6B

15.6% Hawkins
0.7% Sullivan

Executive Summary

  • Earnings: ROA of 0.60%, down 36 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.91% of loans (+84 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.71%, down 91 bps from a year ago.
  • Funding: loans stand at 78.43% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.60%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-7 bps YoY

Efficiency Ratio (YTD, annualized)

83.89%+1,625 bps YoY

Tier 1 Leverage Ratio

10.71%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.97%0.98%0.92%1.01%0.60%-36 bps
Return on Equity9.21%9.41%9.17%10.11%5.99%-322 bps
Net Interest Margin3.80%3.89%3.53%3.67%3.74%-7 bps
Efficiency Ratio67.64%68.43%69.36%66.53%83.89%+1,625 bps
Non-Interest Burden2.41%2.50%2.30%2.29%3.06%+64 bps
Growth
Asset Growth (YoY)-3.38%-6.43%2.32%3.54%0.82%+421 bps
Loan Growth (YoY)-1.66%-5.53%-3.43%-4.51%-2.98%-131 bps
Deposit Growth (YoY)-4.81%-7.43%2.98%4.57%1.86%+668 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.22%0.07%0.07%0.91%+84 bps
Net Charge-Offs / Loans-0.01%0.19%0.23%0.12%0.07%+8 bps
Allowance / Loans1.37%1.20%1.19%1.19%1.18%-19 bps
Allowance Coverage of NPLs19.4x5.4x16.9x17.8x1.3x-18.1x
Capital
Tier 1 Leverage Ratio11.62%10.68%10.70%10.77%10.71%-91 bps
Total Risk-Based Capital11.62%10.68%10.70%10.77%10.71%-91 bps
Equity / Assets11.10%10.22%9.89%9.94%10.32%-77 bps
Liquidity & Funding
Loans / Deposits82.35%84.09%75.89%75.07%78.43%-392 bps
Liquid Assets / Assets14.91%13.11%19.95%20.49%17.75%+283 bps
CRE / Total Capitaln/an/an/an/a226%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 East Tennessee

Rogersville, TN · Cert 33794 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 4 branches

Q3 2025

$206.4MAssets
$138.6MLoans
$176.7MDeposits
$21.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 316 of 546).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets (rank 489 of 535).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

0.60%

Rank 438 of 585

Net Interest Margin

3.74%

Rank 194 of 584

Efficiency Ratio

83.89%

Rank 479 of 584

Equity / Assets

10.32%

Rank 303 of 584

Non-interest income vs. expense

$1.0M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 18% of banks under $1B in assets
Bank 83.89%Peer median 67.6%Q3 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.60%0.98%1.45%Beats 25%438 / 585
Return on Equity5.86%5.86%9.54%12.76%Beats 25%438 / 584
Net Interest Margin3.74%2.90%3.43%3.93%Beats 67%194 / 584
Efficiency Ratio83.89%57.87%67.56%78.72%Beats 18%479 / 584
Asset Quality
Nonperforming Loans / Loans0.91%0.06%0.38%1.05%Beats 28%387 / 535
Net Charge-Offs / Loans0.29%0.00%0.02%0.10%Beats 9%489 / 535
Capital
Tier 1 Capital Ratio10.71%11.47%13.94%18.44%Beats 16%488 / 584
Total Risk-Based Capital Ratio10.71%11.93%14.43%19.34%Beats 14%504 / 584
Equity / Assets10.32%8.74%10.51%13.41%Beats 48%303 / 584
Liquidity & Funding
Loans / Deposits78.43%63.70%78.89%91.92%49th pctl278 / 546
Loans / Assets67.15%55.77%68.46%77.90%47th pctl286 / 535
Brokered Deposits / Deposits0.00%n/an/a4.01%Beats 100%316 / 546