Banks · Tennessee

First Community Bank Of Tennessee

Shelbyville, TN · FDIC Certificate #27211 · Chartered 04/0

Total assets

$943.79M

Total deposits

$702.09M

Total equity

$89.29M

Net loans

$704.09M

Branches (offices)

Net income (YTD)

$3.18M

Rank: #1,097 of 4,213 U.S. banks by assets · #34 of 109 in Tennessee. Assets changed 16.0% and deposits 13.1% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	0.73%
Return on equity	7.13%
Net interest margin (YTD)	5.20%
Equity to assets	9.46%
Tier 1 leverage ratio	10.32%
Uninsured deposits (share of deposits)	16.0%
Noncurrent loans (share of loans)	0.75%
Net charge-offs (share of loans)	0.21%
Loans to deposits	100.3%
Real estate loans (share of loans)	94.6%

Loan mix

Category	Amount	Share
Real estate loans	$666.25M	94.6%
Commercial & industrial	$34.35M	4.9%
Consumer / individual	$5.62M	0.8%
Construction & development	$106.55M	15.1%
Agricultural	$530.00K	0.1%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$762.85M	$539.43M	$3.56M	$101.04M
Jun 2023	$851.47M	$608.02M	-$3.81M	$90.17M
Jun 2024	$823.76M	$626.98M	$3.16M	$85.96M
Jun 2025	$813.70M	$620.61M	$2.43M	$87.07M
Jun 2026	$943.79M	$702.09M	$3.18M	$89.29M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Tennessee	$702.09M	4

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.09M.

Similar-sized banks

The First National Bank Of Granbury ($946.35M) · The Farmers Bank ($942.79M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.