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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #1188772 2024-Q2 Vital Signs Score: 73/100 — 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. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.1% of deposits (threshold 30%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -13

The five pillars

Liquidity

WatchQoQ -2
52
Sub-score

Liquidity is deteriorating: brokered 35.1%, loans/deposits 99.2%, cash 4.0% of assets.

Cash / Assets
3.98%
Loans / Deposits
99.21%
Brokered %
35.11%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.1% 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

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.92%, CET1 14.92%, leverage 11.35%.

Tier 1 RBC
14.92%
CET1
14.92%
Leverage
11.35%
No watch items at this period.

Asset Quality

StrongQoQ -1
83
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 9.9%, NCO YTD 0.06%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.06%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.71%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
12
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 43.8%, true coverage 43.8%.

ALLL / Loans
0.67%
Coverage
43.8%
True Loss Coverage
43.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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