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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #1188772 2025-Q4 Vital Signs Score: 74/100 — 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
    ALLL / NPL below 50%
    Reserves — Coverage 42.2% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +7

The five pillars

Liquidity

WatchQoQ -1
51
Sub-score

Liquidity is deteriorating: brokered 31.1%, loans/deposits 100.6%, cash 3.8% of assets.

Cash / Assets
3.79%
Loans / Deposits
100.65%
Brokered %
31.11%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.1% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 100.6% (threshold 100%).

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 15.77%, CET1 15.77%, leverage 11.51%.

Tier 1 RBC
15.77%
CET1
15.77%
Leverage
11.51%
No watch items at this period.

Asset Quality

StrongQoQ +5
89
Sub-score

Asset quality is strong: Adjusted NPL 1.36%, Texas Ratio 9.0%, NCO YTD 0.00%.

Adjusted NPL
1.36%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
0.00%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
8
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 42.2%, true coverage 42.2%.

ALLL / Loans
0.57%
Coverage
42.2%
True Loss Coverage
42.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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