🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2025. CRA examination history below reflects the period it was active.

FIRST COMMUNITY BANK OF EAST TENNESSEE

ROGERSVILLE, TN · Supervised by FDIC

Est. 1993FDIC #33,794RSSD: FDIC-33794
Part ofFIRST COMMUNITY CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.60%

Is this bank safe?

FIRST COMMUNITY BANK OF EAST TENNESSEE holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.60%).

Institution Profile

FDIC BankFind

Address

809 W Main St, ROGERSVILLE, TN

County

Hawkins County

Established

April 26, 1993

Total Assets

$206M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$206M

Total Deposits

$177M

Net Loans

$137M

Net Income

$936K

ROA

0.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.99%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.60%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate20.31%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$185M

1-Year Change

0

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246459.38%20.31%
202311973.11%13.45%
202216368.71%13.50%
202113270.45%11.36%
202010368.93%15.53%
20199275%10.87%
201811370.8%19.47%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Nov 2024SatisfactorySmall Bank
Nov 2018SatisfactorySmall Bank
Nov 2012SatisfactorySmall Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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