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
Unfavorable gap of $6.3M · efficiency ratio beats 18% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 0.98% | 1.45% | Beats 25% | 438 / 585 | | |
| Return on Equity | 5.86% | 5.86% | 9.54% | 12.76% | Beats 25% | 438 / 584 | | |
| Net Interest Margin | 3.74% | 2.90% | 3.43% | 3.93% | Beats 67% | 194 / 584 | | |
| Efficiency Ratio | 83.89% | 57.87% | 67.56% | 78.72% | Beats 18% | 479 / 584 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.06% | 0.38% | 1.05% | Beats 28% | 387 / 535 | | |
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.02% | 0.10% | Beats 9% | 489 / 535 | | |
| Capital |
| Tier 1 Capital Ratio | 10.71% | 11.47% | 13.94% | 18.44% | Beats 16% | 488 / 584 | | |
| Total Risk-Based Capital Ratio | 10.71% | 11.93% | 14.43% | 19.34% | Beats 14% | 504 / 584 | | |
| Equity / Assets | 10.32% | 8.74% | 10.51% | 13.41% | Beats 48% | 303 / 584 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.43% | 63.70% | 78.89% | 91.92% | 49th pctl | 278 / 546 | | |
| Loans / Assets | 67.15% | 55.77% | 68.46% | 77.90% | 47th pctl | 286 / 535 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 316 / 546 | n/a | |