BlastPoint's Banking Scorecard
First Community Bank of Tennessee
Community
Specialty: Commercial
TN
FDIC cert 27211
Shelbyville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First Community Bank of Tennessee has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27% in Community
- + Net Interest Margin 1.60% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 8% in Community
- - Efficiency Ratio 29.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$834.9M
+6.3% YoY
+3.4% QoQ
|
-$556.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$644.2M
+11.5% YoY
+5.5% QoQ
|
-$331.3M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$640.0M
+10.0% YoY
+3.1% QoQ
|
-$524.6M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.73%
+141.3% YoY
+0.7% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
5.26%
+3.9% YoY
+0.8% QoQ
|
+1.60% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
92.59%
-6.5% YoY
-0.5% QoQ
|
+29.96% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.36%
+36.8% YoY
-18.3% QoQ
|
+0.73% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
100.65%
+1.4% YoY
+2.3% QoQ
|
+17.59% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.15%
-33.1% YoY
-10.3% QoQ
|
-6.90% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
1.22%
+22.8% YoY
-16.9% QoQ
|
+0.72% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
15.77%
-5.2% YoY
-0.2% QoQ
|
+5.53% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
8.37%
+6.8% YoY
+28.4% QoQ
|
+7.63% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#101 of 371 · Top 27% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
8.37%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.73%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.26%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
NIB Deposit Bleed
decline
#8 of 89 · Bottom 8% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
14.15%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
92.59%
(Tier avg: 62.63%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 8.37% · Tier avg: 0.74%
97
97th pctile
Net Interest Margin
Current: 5.26% · Tier avg: 3.66%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
45
45th pctile
Total Loans
Current: $644.2M · Tier avg: $975.5M
38
38th pctile
Total Assets
Current: $834.9M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $640.0M · Tier avg: $1.2B
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.15% · Tier avg: 21.05%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
18
18th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.65% · Tier avg: 83.06%
3
3th pctile
Efficiency Ratio
Current: 92.59% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 92.59% · Tier avg: 62.63%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.65% · Tier avg: 83.06%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.15% · Tier avg: 21.05%
32
32th pctile
Total Deposits
Current: $640.0M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $834.9M · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $644.2M · Tier avg: $975.5M
82
82th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
97
97th pctile
Net Interest Margin
Current: 5.26% · Tier avg: 3.66%
100
100th pctile
Non-Interest Income / Assets
Current: 8.37% · Tier avg: 0.74%