First Community Bank of Tennessee Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
First Community Bank of Tennessee's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of First Community Bank of Tennessee with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.55%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityFirst Community Bank of Tennessee money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Community Bank of Tennessee? Share your experience about First Community Bank of Tennessee by leaving a review below, or read customer reviews before you decide to use First Community Bank of Tennessee. First Community Bank of Tennessee Texas RatioFirst Community Bank of Tennessee's Texas Ratio is at 8.55%, which is considered excellent. The Texas Ratio for First Community Bank of Tennessee is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
First Community Bank of Tennessee has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, First Community Bank of Tennessee is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 96/100
First Community Bank of Tennessee has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026
First Community Bank of Tennessee
207 Elm St
Shelbyville, TN 37160 
First Community Bank of Tennessee Savings Rates
First Community Bank of Tennessee Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Community Bank of Tennessee is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Community Bank of Tennessee rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Community Bank of Tennessee's official website for the most current offers and terms.
Bank Profile & OverviewFirst Community Bank of Tennessee
207 Elm StShelbyville, TN 37160 Bedford Established Date: 04/01/1988 FDIC Certificate #: 27211 Date of FDIC Deposit Insurance: 04/01/1988 Bank Holding Company: FIRST COMMUNITY BCORP INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.firstcommunitybanker.com
Is First Community Bank of Tennessee FDIC Insured? Yes
What is First Community Bank of Tennessee's Cert number? 27211
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (96/100)
Texas Ratio:
8.55%
Return on Assets (ROA):
-1.0283%
Return on Equity (ROE):
-9.2100%
Non-Performing Loans (NPL):
0.84%
Total Assets:
$834,873,000
Total Deposits:
$640,033,000
Equity Capital:
$89,409,000
Net Income:
$5,817,000
Headquarters:
Shelbyville
Regulator:
FDIC
# of Offices:
5
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for First Community Bank of Tennessee yet. Feel free to create one below.
Add Your Rating and Review for First Community Bank of Tennessee
Frequently Asked Questions About First Community Bank of TennesseeHow do I open an account at First Community Bank of Tennessee?You can typically open an account at First Community Bank of Tennessee by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First Community Bank of Tennessee provides a range of mortgage and home equity products. Is First Community Bank of Tennessee a safe place to deposit money?Yes, First Community Bank of Tennessee is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does First Community Bank of Tennessee offer online and mobile banking?Most modern institutions like First Community Bank of Tennessee provide digital access including online balance checks and transfers. Compare to other Banks |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
