First Community Bank of Tennessee: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.28 percentage points higher than in Q1 2026, at 252.10%. Within Tennessee, First Community Bank of Tennessee is 12th of 109 on loan-to-deposit ratio, 100.76% as of Q2 2026, above the middle of the field. First Community Bank of Tennessee reported 100.76% on loan-to-deposit ratio for Q2 2026, 19.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $707.4M |
| Net loans and leases | $704.1M |
| Loans held for sale | $282.8M |
| Loans to total assets | 74.95% |
| Loan-to-deposit ratio | 100.76% |
| Net loans to equity capital | 7.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.12% |
| Multifamily (5+ residential) | 5.96% |
| Commercial and industrial | 4.86% |
| Consumer | 0.79% |
| Credit cards | 0.15% |
| Farm | 1.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 252.10% |
| Construction concentration (Tier 1 capital + allowance) | 109.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.45% |
| Interest income on loans | $16.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $583.4M | $559.4M | 17.62% | 4.47% | 0.80% |
| Q4 2023 | $593.6M | $577.7M | 17.18% | 4.34% | 0.78% |
| Q1 2024 | $585.0M | $595.9M | 17.41% | 4.61% | 0.75% |
| Q2 2024 | $626.2M | $627.0M | 16.30% | 4.93% | 0.68% |
| Q3 2024 | $608.8M | $588.9M | 16.56% | 5.21% | 0.65% |
| Q4 2024 | $580.8M | $581.8M | 17.90% | 5.32% | 0.78% |
| Q1 2025 | $578.1M | $602.1M | 17.98% | 5.19% | 0.80% |
| Q2 2025 | $615.4M | $620.6M | 18.74% | 4.80% | 0.93% |
| Q3 2025 | $614.0M | $621.0M | 18.90% | 4.86% | 0.92% |
| Q4 2025 | $647.9M | $640.0M | 18.82% | 4.96% | 0.89% |
| Q1 2026 | $674.1M | $650.1M | 18.29% | 4.54% | 0.85% |
| Q2 2026 | $707.4M | $702.1M | 18.12% | 4.86% | 0.79% |
First Community Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Tennessee, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27211) · FFIEC NIC profile (RSSD 1188772)