First Community Bank of Tennessee (FDIC certificate #27211) is based in Shelbyville, Tennessee. Its Q2 2026 call report shows $943.8M in total assets and $702.1M in deposits and 5 offices.
First Community Bank of Tennessee has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 84th. Problem-loan coverage contributes the most (85/100, 7.3%); earnings contributes the least (49/100, 0.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (65 → 62), mostly because the capital cushion component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 56 |
| Q4 2024 | 59 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 56 |
| Q4 2025 | 60 |
| Q1 2026 | 59 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 11.27% |
| Q4 2024 | 11.26% |
| Q1 2025 | 12.39% |
| Q2 2025 | 12.01% |
| Q3 2025 | 11.18% |
| Q4 2025 | 11.55% |
| Q1 2026 | 11.64% |
| Q2 2026 | 10.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.40% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.66% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.16% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.30% |
| Q1 2025 | -0.01% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $943.8M | 10.32% | 0.75% | 0.73% | 100.3% |
| Q1 2026 | 59 | $854.0M | 11.64% | 1.16% | 0.39% | 103.2% |
| Q4 2025 | 60 | $834.9M | 11.55% | 1.35% | 0.73% | 100.6% |
| Q3 2025 | 56 | $807.1M | 11.18% | 1.66% | 0.72% | 98.4% |
| Q2 2025 | 65 | $813.7M | 12.01% | 0.91% | 0.62% | 98.6% |
| Q1 2025 | 62 | $753.6M | 12.39% | 0.85% | -0.01% | 95.5% |
| Q4 2024 | 59 | $785.6M | 11.26% | 0.99% | 0.30% | 99.3% |
| Q3 2024 | 56 | $811.3M | 11.27% | 1.40% | 0.44% | 102.7% |
| Q2 2024 | 59 | $823.8M | 11.39% | 1.52% | 0.79% | 99.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| The First National Bank of Middle TennesseeBank Mcminnville, TN | 66 out of 100, Moderate | $952.4M | 10.0% | 0.22% | vs |
| First Commerce BankBank Lewisburg, TN | 77 out of 100, Strong | $935.1M | 10.2% | 0.08% | vs |
| Legends BankBank Clarksville, TN | 71 out of 100, Strong | $927.7M | 10.0% | 0.00% | vs |
| Paragon BankBank Memphis, TN | 62 out of 100, Moderate | $908.1M | 8.7% | 0.18% | vs |
| Tennessee State BankBank Pigeon Forge, TN | 72 out of 100, Strong | $990.8M | 9.3% | 0.11% | vs |
Deposit insurance
Is my money safe at First Community Bank of Tennessee?
Yes. First Community Bank of Tennessee is an FDIC-insured institution (FDIC certificate #27211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($112.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.37% (benchmark: 10%).
5 locations
Branches
First Community Bank of Tennessee lists 2 offices in 2 cities. Most locations:
- Lynchburg, TN (1)
- Shelbyville, TN (1)
Identity & history
Profile
- Legal name
- First Community Bank of Tennessee
- Former names
- First Community Bank of Bedford County
- Type
- State-chartered bank
- FDIC certificate #
- 27211
- RSSD ID
- 1188772
- Primary regulator
- FDIC
- Holding company
- First Community Bcorp Inc
- Established
- April 1, 1988
- Headquarters
- 207 Elm St, Shelbyville, TN 37160
- Website
- www.firstcommunitybanker.com
- Employees
- 454
Quick answers
First Community Bank of Tennessee: common questions
Is First Community Bank of Tennessee FDIC insured?
Yes. First Community Bank of Tennessee is an FDIC-insured institution (FDIC certificate #27211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Community Bank of Tennessee's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Community Bank of Tennessee ever failed?
There is no failure record for FDIC certificate #27211 in the FDIC failed bank list.
How many branches does First Community Bank of Tennessee have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Shelbyville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee Department of Safety Credit UnionCredit union Nashville, TN | 93 out of 100, Very strong | $12.0M | 26.6% | 0.00% | vs |
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |