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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #1188772 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.4% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.68%.

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -9
52
Sub-score

Liquidity is deteriorating: brokered 30.5%, loans/deposits 95.5%, cash 3.3% of assets.

Cash / Assets
3.31%
Loans / Deposits
95.49%
Brokered %
30.55%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.5% 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 16.37%, CET1 16.37%, leverage 12.34%.

Tier 1 RBC
16.37%
CET1
16.37%
Leverage
12.34%
No watch items at this period.

Asset Quality

StableQoQ -16
68
Sub-score

Asset quality is stable: Adjusted NPL 2.02%, Texas Ratio 12.3%, NCO YTD 0.00%.

Adjusted NPL
2.02%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.00%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
1.68%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.02% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.68%.

Reserves

RiskQoQ -4
2
Sub-score

Reserves are weak: ALLL 0.55% of loans, coverage 27.4%, true coverage 27.4%.

ALLL / Loans
0.55%
Coverage
27.4%
True Loss Coverage
27.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.4% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.55% 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