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First Community Bank Of Tennessee

Shelbyville, TN · Est. 1988 · Website ↗
A
Trust Grade
Excellent
Score: 93/100

First Community Bank Of Tennessee is a bank based in Shelbyville, Tennessee, established in 1988, with $854 million in total assets across 5 branches. By Trust Grade it ranks 76th of 109 banks we track in Tennessee. Its capital ratio of 10.5% is stronger than 55% of similarly sized banks, versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 0.39% return on assets. No consumer complaints against First Community Bank Of Tennessee appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$854.0M
$100M–1B institution
Deposits
$650.1M
Branches
5
Capital ratio
10.5%
Top 45% of $100M–1B peers · Tennessee median 9.8%
Return on assets
0.4%
Bottom 10% of $100M–1B peers · Tennessee median 1.07%
Rank in Tennessee
#76
of 109 banks

How First Community Bank Of Tennessee compares to Tennessee peers

Capital ratio
Top 45% of $100M–1B peers
First Community
10.5%
Tennessee median
9.8%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 10% of $100M–1B peers
First Community
0.4%
Tennessee median
1.1%
Higher ROA = more profitable relative to asset base

How we graded First Community Bank Of Tennessee

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
93/100
Customer experience
n/a
Overall
A · 93
  • Strongly capitalized (10.5% capital ratio)
  • Profitable (ROA 0.39%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Community Bank Of Tennessee over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (5)

  • 1051 Madison St, Shelbyville, TN 37160
  • 535 Majors Blvd, Lynchburg, TN 37352
  • 207 Elm St, Shelbyville, TN 37160
  • 2841 Highway 231 N, Shelbyville, TN 37160
  • 275 Robert Rose Dr, Murfreesboro, TN 37129

Are deposits at First Community Bank Of Tennessee insured?

Yes. First Community Bank Of Tennessee is an FDIC-insured bank (FDIC certificate #27211). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Community Bank Of Tennessee: frequently asked questions

Is First Community Bank Of Tennessee a good bank?

First Community Bank Of Tennessee earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (10.5% capital ratio); Profitable (ROA 0.39%).

Is First Community Bank Of Tennessee FDIC-insured?

Yes. First Community Bank Of Tennessee is a FDIC-insured bank (FDIC certificate #27211). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Community Bank Of Tennessee?

First Community Bank Of Tennessee holds $854 million in total assets, ranking 76th of 109 banks we track in Tennessee. It operates 5 branches.

Does First Community Bank Of Tennessee have CFPB complaints?

No CFPB complaints against First Community Bank Of Tennessee appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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