First Community Bank of Tennessee
Also written as FCB of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank of Tennessee is an FDIC-insured commercial bank headquartered in Shelbyville, TN, established in 1988 (FDIC certificate 27211), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $943.8M, up 16.0% from Q2 2025, the 34th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27211
- Headquarters
- Shelbyville, TN
- Established
- 1988
- Total assets, Q2 2026
- $943.8M
- Assets vs Q2 2025
- +16.0%
- CET1 ratio, Q2 2026
- 14.78%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064103671
- Latest call report
- Q2 2026, FFIEC 041 · First Community Bank of Tennessee Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST COMMUNITY BANCORP, INC.
- Asset rank in state
- 34th of 109 in Tennessee
Problem loans are rising at First Community Bank of Tennessee. Based in Shelbyville, Tennessee, it had $944 million in assets at June 30, 2026, up 16.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.75% of loans from 0.24% a year earlier. It spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it keeps 5.39 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents).
Funding is the softer spot: it pays an average of 3.33% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, First Community Bank of Tennessee reported a CET1 capital ratio of 14.78%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 7.48%. The figures come from its call report filed with the FFIEC.
First Community Bank of Tennessee ranks as the 34th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.5% to $943.8M, loans rose 4.9% and deposits rose 8.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.0% of total loans, followed by construction and land development loans at 15.1%. The FDIC Summary of Deposits lists 4 offices for it, in Shelbyville, TN and Lynchburg, TN; its Shelbyville 3 offices book 95% of its branch deposits. Judged on its Q2 2026 call report, First Community Bank of Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 207 Elm St, Shelbyville, TN 37160
- County
- Bedford
- Metro Area
- Shelbyville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1988
- Former names
- First Community Bank of Bedford County (2006-2016)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 454
- Domestic deposits
- $702.1M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $701K
- Average total assets
- $912.1M
- Average total loans
- $711.9M
- Average interest-bearing deposits
- $583.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1988
- FDIC Cert
- 27211
- Fed RSSD
- 1188772
- Website
- www.firstcommunitybanker.com →
- Parent Holding Company
- FIRST COMMUNITY BANCORP, INC. (RSSD 2016340)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Community Bank of Tennessee's total assets moved between a low of $753.6M (Q1 2025) and a high of $943.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$943.8M total assets against $813.7M; $854.5M total liabilities against $726.6M.
$704.1M net loans and leases against $612.2M; $702.1M total deposits against $620.6M.
$82.1M securities against $83.8M; $81.3M cash and balances due against $38.6M.
$17.7M total interest income against $16.0M; $6.6M total interest expense against $5.8M.
$11.1M net interest income against $10.2M.
$19.0M total noninterest income against $19.5M; $26.9M total noninterest expense against $26.6M.
$150K provision for credit losses against -$33K.
$2.4M net income against $2.4M.
1.04% return on assets against 1.25%; 5.39% net interest margin against 5.88%.
14.78% CET1 capital ratio against 15.88%; 10.32% tier 1 leverage ratio against 12.01%.
Inside the full First Community Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Community Bank of Tennessee rankings
Its closest position to the top of a national ranking is 894 of 3,640, for Texas Ratio; its furthest is 3,459 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.24% (Q3 2024) to 1.25% (Q2 2025) and its net interest margin ran from 4.84% (Q1 2025) to 5.88% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 1.04% | 0.75% | 7.48% | 5.39% |
| Q1 2026 | 15.60% | 0.40% | 1.16% | 7.25% | 5.10% |
| Q4 2025 | 15.77% | 0.75% | 1.35% | 11.24% | 5.49% |
| Q3 2025 | 15.80% | 0.90% | 1.66% | 7.98% | 4.99% |
| Q2 2025 | 15.88% | 1.25% | 0.91% | 4.00% | 5.88% |
| Q1 2025 | 16.47% | -0.01% | 0.85% | 6.16% | 4.84% |
| Q4 2024 | 16.64% | -0.13% | 0.99% | 6.51% | 5.19% |
| Q3 2024 | 15.17% | -0.24% | 1.40% | 9.23% | 5.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank of Tennessee (main office) | Shelbyville , TN | 37160 | $664.6M |
| Lynchburg Branch | Lynchburg , TN | 37352 | $37.5M |
| Madison Street Branch | Shelbyville , TN | 37160 | $0 |
| Airport Park Branch | Shelbyville , TN | 37160 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 19, 2012, Federal Reserve: Written Agreement: Community First, Inc., Columbia, Tennessee
- Period: Most recent institution action April 19, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TN, rank 60 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Community Bank of Tennessee
What are First Community Bank of Tennessee's total assets?
As of the Q2 2026 filing, First Community Bank of Tennessee reported total assets of $943.8 million in its FFIEC call report.
Where is First Community Bank of Tennessee headquartered?
It is headquartered in Shelbyville, TN, United States.
When was First Community Bank of Tennessee founded?
It was established in 1988, per the FDIC institution directory.
Is First Community Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank of Tennessee?
First Community Bank of Tennessee's primary federal regulator is the FDIC.
What is First Community Bank of Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank of Tennessee operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 7.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Community Bank of Tennessee previously called?
The charter now named First Community Bank of Tennessee has also operated as First Community Bank of Bedford County (2006-2016), per FDIC structure-change records.
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