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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

First Community Bank of Tennessee

Shelbyville, Tennessee · $944M in assets · beside the 11 other Tennessee banks between $300M and $1B

The filing

0.75%
NPA / loans
12th of 12
92.1%
Efficiency
12th of 12
0.6x
Coverage of noncurrent
11th of 11

First Community Bank of Tennessee is the third largest of the 12 Tennessee banks nearest its size between $300M and $1B, with $944M in assets at 30 June 2026. Loans are 100.8% of deposits, 11th of 12 against a median of 86.3%, and equity is 9.4% of assets, 7th of 12. Loans grew +15.0% in the year, 3rd of 12, and deposits grew 13.1%; the cohort's median loan growth is +9.4%.

Noncurrent loans are 0.75% of the book, the highest in the cohort against a median of 0.15%; 0.23% is 30 to 89 days past due, and the allowance covers them 0.6 times. Net charge-offs are 0.20% of loans, 10th of 12. Commercial real estate is 34.6% of loans, 5th of 12 against a median of 37.3%, and 251% of capital, below the 300% screen, with construction at 109% against the 100% screen.

Return on assets is 0.70%, 11th of 12 against a median of 1.15%, on an efficiency ratio of 92.1%, the highest in the cohort. Five years ago it was 3.57%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Nonperforming loans, share of loansTN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.15% LB Legends Bank 0.00% FF First Freedom Bank 0.01% FC First Century Bank 0.07% MB Macon Bank & Trust Co. 0.08% FC First Commerce Bank 0.08% TS Tennessee State Bank 0.11% PB Paragon Bank 0.18% FN First National Bank of Middle Tennessee 0.22% FB Farmers Bank 0.53% CB Citizens Bank 0.62% MB Millennium Bank 0.68% FC First Community Bank of Tennessee 0.75%
Loans, year over yearTN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +9.4% MB Millennium Bank +47.9% MB Macon Bank & Trust Co. +16.9% FC First Community Bank of Tennessee +15.0% FF First Freedom Bank +11.5% FN First National Bank of Middle Tennessee +10.4% FC First Century Bank +9.8% PB Paragon Bank +9.0% FC First Commerce Bank +8.7% TS Tennessee State Bank +8.0% CB Citizens Bank +6.7% LB Legends Bank +6.5% FB Farmers Bank +5.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
First CommunityRankCohort median
Total CRE against capital, the 300% screen251%6th of 12261%
Construction against capital, the 100% screen109%9th of 12105%
Construction and land development, share of loans15.1%6th of 1215.1%
Non-owner-occupied nonfarm nonresidential, share of loans13.6%5th of 1215.6%
Total CRE, the guidance definition, share of loans34.6%5th of 1237.3%
CRE growth over 36 months, the third prong+39.0%8th of 12+32.8%
Commercial real estate against capital, the 300% screenTN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 261% CB Citizens Bank 151% FB Farmers Bank 155% MB Macon Bank & Trust Co. 187% FC First Century Bank 237% FN First National Bank of Middle Tennessee 240% FC First Community Bank of Tennessee 251% FC First Commerce Bank 271% LB Legends Bank 275% PB Paragon Bank 321% FF First Freedom Bank 337% TS Tennessee State Bank 347% MB Millennium Bank 382%
CRE growth over 36 months, the guidance's third prongTN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +32.8% FB Farmers Bank -5.8% FN First National Bank of Middle Tennessee -2.9% FC First Century Bank +12.1% LB Legends Bank +13.1% TS Tennessee State Bank +15.6% CB Citizens Bank +29.3% MB Macon Bank & Trust Co. +36.3% FC First Community Bank of Tennessee +39.0% FF First Freedom Bank +40.9% MB Millennium Bank +53.2% PB Paragon Bank +55.6% FC First Commerce Bank +63.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Tennessee State Bank$991M1.2%70.1%0.11%0.04%1.1%81.1%8.6%
First National Bank of Middle Tennessee$952M1.0%66.1%0.22%0.24%1.0%95.6%9.8%
First Community Bank of Tennessee$944M0.7%92.1%0.75%0.20%0.5%100.8%9.4%
Farmers Bank$943M1.6%56.3%0.53%0.10%1.2%78.6%13.8%
First Commerce Bank$935M1.9%47.4%0.08%0.04%0.9%87.0%10.5%
Legends Bank$928M1.0%67.4%0.00%0.00%1.1%81.3%9.6%
Paragon Bank$908M0.9%71.6%0.18%0.18%0.9%107.1%8.5%
Citizens Bank$832M2.0%28.3%0.62%0.01%1.2%65.2%13.4%
Macon Bank & Trust Co.$821M1.1%56.5%0.08%0.02%0.9%68.4%7.5%
First Freedom Bank$818M2.0%42.6%0.01%0.13%1.1%96.9%12.2%
First Century Bank$810M1.7%47.7%0.07%0.01%1.1%97.9%9.2%
Millennium Bank$781M-0.6%81.4%0.68%1.86%1.2%85.7%8.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First CommunityCohort median
20212026Change20212026Change
Loans$580M$707M+22%$414M$698M+68%
Deposits$530M$702M+32%$503M$758M+51%
NPA / loans8.25%0.75%-7.50 pts0.32%0.15%-0.17 pts
Efficiency73.2%92.1%+18.9 pts63.2%61.3%-1.9 pts
ROA3.57%0.70%-2.87 pts1.37%1.15%-0.22 pts

This read was prepared for First Community Bank of Tennessee's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Community Bank of Tennessee is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $300M to $1B
Institution www.firstcommunitybanker.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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