First Farmers&Commercial Bk: Bank Stress & Real-Estate Credit Exposure

First Farmers&Commercial Bk (FDIC Cert #4960) carries a DLRadar bank-stress score of 75/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its footprint is compact and single-state: 23 ZIP codes in 4 counties over 1 states. Its heaviest exposure sits in Tennessee (4 counties). Read against its 4-county reach, a severe score sets the credit tone for every market on its map. First Farmers&Commercial Bk's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because First Farmers&Commercial Bk is held under First Pikeville Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model First Farmers&Commercial Bk in isolation: the 23-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. At the county level, First Farmers&Commercial Bk finances markets like Cumberland County, TN, Bledsoe County, TN, Sequatchie County, TN, Rhea County, TN — the specific places where its credit posture translates into local lending capacity. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because First Farmers&Commercial Bk is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 75/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Farmers&Commercial Bk tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.