Side-by-side · Q2 2026 data
First Community Bank of Tennessee vs First Commerce Bank
Metric by metric
| Measure | First Community Bank of Tennessee | First Commerce Bank |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 53 (stronger) | 52 |
| Loan quality | 75 | 97 (stronger) |
| Earnings | 49 | 97 (stronger) |
| Funding & liquidity | 59 (stronger) | 55 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 22nd | 68th |
| Total assets | $943.8M | $935.1M |
| Deposits / shares | $702.1M | $824.8M |
| Capital ratio | 10.32% (stronger) | 10.21% |
| Problem loans | 0.75% | 0.08% (stronger) |
| Net charge-offs | 0.21% | 0.04% (stronger) |
| Return on assets | 0.73% | 1.91% (stronger) |
| Loans ÷ deposits | 100.3% | 86.2% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 32.0% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Commerce Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Tennessee leads on 2 and First Commerce Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.