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First Community Bank Of Tennessee

IDRSSD: 1188772
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #1188772 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ +4
54
Sub-score

Liquidity is deteriorating: brokered 33.0%, loans/deposits 97.4%, cash 4.4% of assets.

Cash / Assets
4.41%
Loans / Deposits
97.39%
Brokered %
33.01%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.22%, CET1 15.22%, leverage 11.43%.

Tier 1 RBC
15.22%
CET1
15.22%
Leverage
11.43%
No watch items at this period.

Asset Quality

StrongQoQ +3
84
Sub-score

Asset quality is strong: Adjusted NPL 1.41%, Texas Ratio 8.7%, NCO YTD 0.01%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.01%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
25
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 57.9%, true coverage 57.9%.

ALLL / Loans
0.81%
Coverage
57.9%
True Loss Coverage
57.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:21:38 UTC