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First Community Bank of Tennessee Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

First Community Bank of Tennessee rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not First Community Bank of Tennessee, and you can see how they compare in the First Community Bank of Tennessee rate tables below. 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%. Database rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.55%
Excellent Higher than avg
First Community Bank of Tennessee
207 Elm St
Shelbyville, TN 37160
https://www.firstcommunitybanker.com
Member FDIC

First Community Bank of Tennessee Checking Rates

Product Rate APY View More
Free checking that Pays High Interest - 5.00%
Details Cash Back on Balances Up To $25,000! GET HIGH INTEREST *DETAILS HERE
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.55%
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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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 04/01/1988
FDIC Insurance Date 04/01/1988
Domestic Offices 5
Total Branches 5
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 96/100
5.0
Exceptional Out of 5.0 Stars
8.55%
Texas Ratio Nat'l avg: 5.85%
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
Total Branches and Offices 5
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

There are no reviews for First Community Bank of Tennessee yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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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.

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