Side-by-side · Q2 2026 data
Tennessee State Bank vs First Community Bank of Tennessee
Metric by metric
| Measure | Tennessee State Bank | First Community Bank of Tennessee |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 43 | 53 (stronger) |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 68 (stronger) | 49 |
| Funding & liquidity | 76 (stronger) | 59 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 50th | 22nd |
| Total assets | $990.8M | $943.8M |
| Deposits / shares | $885.0M | $702.1M |
| Capital ratio | 9.31% | 10.32% (stronger) |
| Problem loans | 0.11% (stronger) | 0.75% |
| Net charge-offs | 0.04% (stronger) | 0.21% |
| Return on assets | 1.21% (stronger) | 0.73% |
| Loans ÷ deposits | 80.2% (stronger) | 100.3% |
| Uninsured deposits | 18.7% | 16.0% (stronger) |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee State Bank has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Tennessee State Bank leads on 5 and First Community Bank of Tennessee on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.