First Community Bank of Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Tennessee of Shelbyville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.04% | 1.34% | -0.30% | 35th below |
| ROAE | 10.61% | 13.32% | -2.71% | 40th below |
| Net Interest Margin | 5.39% | 3.93% | +1.46% | 97th top |
| Efficiency Ratio | 88.96% | 61.11% | +27.85% | 7th bottom |
| PPNR / Avg Assets | 1.43% | 1.68% | -0.25% | 40th below |
| Yield on Earning Assets | 8.59% | 5.67% | +2.92% | 99th top |
| Cost of Funds | 3.33% | 1.88% | +1.45% | 2nd bottom |
| Net Interest Spread | 4.80% | 3.32% | +1.48% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.94% | -0.26% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.70% | -0.04% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 0.47% | 1.28% | -0.81% | 2nd bottom |
| ACL / NPLs (Coverage) | 69.10% | 1540.14% | -1471.04% | 18th bottom |
| Texas Ratio | 7.48% | 7.33% | +0.15% | 29th below |
| Provision / NCO | 45.65% | 1397.37% | -1351.72% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.78% | 19.51% | -4.73% | 47th below |
| Tier 1 Ratio | 14.78% | 19.54% | -4.76% | 46th below |
| Total Capital Ratio | 15.37% | 20.63% | -5.26% | 41st below |
| Leverage Ratio | 10.32% | 12.14% | -1.82% | 38th below |
| Equity / Assets | 9.41% | 11.38% | -1.97% | 34th below |
| TCE / Tangible Assets | 9.21% | 11.09% | -1.88% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.76% | 80.62% | +20.14% | 11th bottom |
| Core Deposit Ratio | 60.16% | 86.88% | -26.72% | 2nd bottom |
| Wholesale Funding Ratio | 13.54% | 5.02% | +8.52% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.99% | 6.84% | +9.15% | 92nd top |
| Loan Growth (Y/Y) | 14.96% | 7.90% | +7.06% | 86th top |
| Deposit Growth (Y/Y) | 13.13% | 6.28% | +6.85% | 89th top |
See First Community Bank of Tennessee's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank of Tennessee, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Community Bank of Tennessee profile, how to read a UBPR, or how this data updates.