What are the current interest rates at First Community Bank of Tennessee?

Current rates for First Community Bank of Tennessee include: Savings: 0.25%

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First Community Bank of Tennessee

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First Community Bank of Tennessee Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank of Tennessee provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

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 7.55%. Rates last updated and verified on 09/19/2026.

First 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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.55%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

First Community Bank of Tennessee

207 Elm St
Shelbyville, TN 37160

https://www.firstcommunitybanker.com

First Community Bank of Tennessee Savings Rates

Product	Rate	APY
Christmas Club	0.25%	0.25%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Kids Club Savings	0.25%	0.25%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Regular Savings	0.25%	0.25%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

First Community Bank of Tennessee Checking Rates

Product	Rate	APY
Rewards Checking	3.93%	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Rewards Checking	3.93%	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Interest Checking	0.20%	0.20%
Min Balance $100,001 Details Balance: $100,001 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Senior Classic Checking	0.20%	0.20%
Min Balance $100,001 Details Balance: $100,001 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Interest Checking	0.15%	0.15%
Min Balance $25,001 Details Balance: $25,001 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Senior Classic Checking	0.15%	0.15%
Min Balance $25,001 Details Balance: $25,001 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Interest Checking	0.10%	0.10%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Senior Classic Checking	0.10%	0.10%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Rewards Checking	0.05%	0.05%
Details Qualifications not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Senior Classic Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Rewards Checking	0.01%	0.01%
Min Deposit $0 Details All balances if qualifications not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Community Bank of Tennessee’s Texas Ratio fell from 8.55% in Q3 2023 to 7.55% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$944M	7.55%	5.0	A
March 31, 2026	$854M	10.30%	5.0	A
December 31, 2025	$835M	11.36%	5.0	A
September 30, 2025	$807M	13.59%	5.0	A
June 30, 2025	$814M	8.70%	5.0	A
March 31, 2025	$754M	8.61%	5.0	A
December 31, 2024	$786M	9.23%	5.0	A
September 30, 2024	$811M	10.47%	5.0	A
June 30, 2024	$824M	11.81%	5.0	A
March 31, 2024	$795M	9.82%	5.0	A
December 31, 2023	$790M	10.06%	5.0	A
September 30, 2023	$766M	8.55%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 & Overview

Institution Name First Community Bank of Tennessee

Bank Holding Company FIRST COMMUNITY BCORP INC

Address 207 Elm St, Shelbyville, TN 37160 · Bedford

Website https://www.firstcommunitybanker.com

FDIC Certificate # 27211

Established 19880401

FDIC Insurance Date 19880401

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7254%

Return on Equity (ROE) 7.1300%

Non-Performing Loans (NPL) 0.56%

Total Assets $943,790,000

Total Deposits $702,085,000

Equity Capital $88,813,000

Net Income $3,183,000

Headquarters Shelbyville

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Community Bank of Tennessee earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Community Bank of Tennessee

How many branches does First Community Bank of Tennessee operate?

First Community Bank of Tennessee currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Community Bank of Tennessee does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank of Tennessee provides members with tools to manage their accounts and build a solid financial history.

Does First Community Bank of Tennessee offer online and mobile banking?

Most modern institutions like First Community Bank of Tennessee provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcommunitybanker.com.