First Community Bank of Tennessee
Shelbyville, TN
IDRSSD: 1188772
Total Assets
$834.87M
Latest filing
Total Deposits
$640.03M
Latest filing
Net Interest Margin
5.45%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank of Tennessee
207 Elm St
Shelbyville, TN 37160
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/01/1988FDIC Certificate 39116
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Community Bank of Tennessee (Main) | 207 Elm St | Shelbyville, TN |
| MADISON STREET BRANCH | 1051 Madison St | Shelbyville, TN |
| LYNCHBURG BRANCH | 535 Majors Blvd | Lynchburg, TN |
| AIRPORT PARK BRANCH | 2841 Highway 231 N | Shelbyville, TN |
| MURFREESBORO LPO | 275 Robert Rose Dr | Murfreesboro, TN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37160 |
| State and County Number | 47003 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Shelbyville, TN |
Operational Info
| Number of Employees | 520 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/01/1988 |
| Primary Insurance Agency | DIF |
| Website | www.firstcommunitybanker.com |
| Data Updated | 01/30/2026 |
| CERT | 27211 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $834.87M |
| Total Deposits | $640.03M |
| Total Liabilities | $745.03M |
| Total Equity Capital | $89.85M |
| Net Income | $1.54M |
| Net Loans and Leases | $644.19M |
| Assets Per Employee ($Millions) | $1.72M |
| Bank Premises and Fixed Assets | $9.61M |
| Cash and Balances due from Depository Institutions | $31.68M |
| Deposits Held in Domestic Offices | $640.03M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 6.96% |
| Net Interest Margin | 5.45% |
| Efficiency Ratio | 91.19% |
| Tier 1 Risk-Based Capital Ratio | 15.773% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.31% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.709% |
| Earning Assets to total Assets | 89.64% |
Income and Expense
| Total Interest Income | $15.68M |
| Total Noninterest Income | $17.25M |
| Total Interest Expense | $5.73M |
| Total Noninterest Expense | $24.80M |
| Net Interest Income | $9.95M |
| Pre-tax Net Operating Income | $1.75M |
| Provision for Credit Losses | $641.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.44M |
| Other borrowed funds | $84.17M |
| Federal Funds Sold & Reverse Repurchase Agreement | $605.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $20.82M |
| Total Liabilities and Capital | $834.87M |
Securities
| Securities | $85.90M |
| Available-for-sale debt securities | $85.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank of Tennessee?
$834.87M as of the latest filing.
How much are First Community Bank of Tennessee's total deposits?
$640.03M in total deposits.
Where is First Community Bank of Tennessee located?
Shelbyville, TN.
What is the Net Interest Margin?
5.45%.
How many domestic offices does it operate?
5.
When was it established?
04/01/1988.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$644.19M (latest filing).
What is the total interest income (latest filing)?
$15.68M.