First Community Bank of Tn
Shelbyville, Tennessee · FDIC Cert #27211
This is the FDIC profile for First Community Bank of Tn, an FDIC-insured bank (Certificate #27211) with $824M in total assets and $627M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Shelbyville, Tennessee, the bank maintains a Tier 1 capital ratio of 14.92% (Well-Capitalized) and a nonperforming loan ratio of 1.52%. BankHealthData assigns a composite Health Grade of B (72/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Community Bank of Tn (FDIC cert 27211) is a community bank — $824M in total assets, $627M in deposits, serving the Shelbyville, Tennessee area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.92% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.98% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First Community Bank of Tn carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Community Bank of Tn
- Total Assets
- $824M
- Total Deposits
- $627M
- Tier 1 Capital Ratio
- 14.92%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.52%
- Liquidity Ratio
- 15.10%
- Return on Assets
- 0.98%
- Headquarters
- Shelbyville, Tennessee
- FDIC Certificate
- #27211
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Community Bank of Tn files quarterly Call Reports with the FDIC under Certificate #27211. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Community Bank of Tn holds a Tier 1 capital ratio of 14.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Community Bank of Tn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Community Bank of Tn shows strong financial health indicators. With $824M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Community Bank of Tn Compares
First Community Bank of Tn’s Health Score of 72 is 7 points below the Tennessee state average of 79 across 95 FDIC-insured banks. Its 14.92% Tier 1 capital ratio is 0.9 points above the US banking industry average near 14%. The 1.52% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.98% is below the national ROA benchmark of ~1.1%. Among 1153 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, First Community Bank of Tn is 8 points below the portfolio average of 80.
Frequently Asked Questions
First Community Bank of Tn has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Community Bank of Tn's Tier 1 capital ratio of 14.92% and nonperforming loan ratio of 1.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Community Bank of Tn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27211). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Community Bank of Tn holds $824M in total assets and $627M in total deposits. It is headquartered in Shelbyville, Tennessee (FDIC Certificate #27211).
First Community Bank of Tn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #27211 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Community Bank of Tn has a Tier 1 capital ratio of 14.92%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.52%, and the return on assets is 0.98%.
Yes. First Community Bank of Tn is FDIC-insured (Certificate #27211). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Community Bank of Tn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.