First Community Bank

Signed in 1977, the Community Reinvestment Act (CRA) encourages financial institutions to help meet the credit needs of the communities in which they do business, including low-to-moderate (LMI) neighborhoods.

The information below is current as of April 1st of each year and may be updated on a quarterly basis. Due to technical reasons, some documents may not be compatible with certain screen readers. However, if you are interested in those documents, we will be happy to assist. Please contact us at:

First Community Bank of East TN
Attention: Compliance Dept.
PO Box 820
809 West Main Street
Rogersville, TN 37857

Section One: Branches and Services

We offer a complete range of financial products and services including checking accounts, money market and savings accounts, certificates of deposit, individual retirement accounts, business accounts, and more. First Community Bank also offers a full range of lending options for individuals and businesses. 

• First Community Bank of East TN List of Branches.
• Loan Products and Services.
• Retail Deposit Products & Services:
  • Checking
    • EDGE Checking
    • Extra Checking
    • First Interest Checking
    • Comparison Chart
    • Overdraft Options
    • Order Checks: Main Street
    • ATM/VISA Debit Card
  • Savings
    • First Savings
    • Spirit Savings
    • First Money Market
    • Christmas Club
    • Retirement Accounts
    • Certificates of Deposit
  • Online/Mobile
    • Digital Banking
    • Mobile Banking
    • eStatements
    • Internet Banking Terms of Service
  • Safe Deposit Boxes
  • Schedule of Fees

• Business Products & Services
  • Deposit Choices
  • Cash Management
    • Positive Pay

Section 2: Assessment Area and Maps

The following assessment areas represent the communities First Community Bank of East TN serves. Maps and census tract information can be accessed by clicking the links below.

• Assessment Area and Census Tract
• Hawkins County, TN
• Sullivan County, TN

Section Three: Loan to Deposit Ratio

• Loan to Deposit Ratio

Section Four: HMDA Disclosure Statement

• HMDA Disclosure Statement

Section Five: CRA Public Disclosure

• CRA Public Disclosure

Section Six: Comments and Responses

Public Comments and Responses include those received for the current year and the prior two calendar years as of April 1, 2024. First Community Bank of East TN may periodically update this to include comments received after the annual April 1 update.

Note: There are currently no comments to report as of April 1, 2024.

CRA Public File Requests

First Community Bank of East TN can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover the copying and mailing expenses. Requests can be sent to:

First Community Bank of East TN
Attention: Compliance Dept.
PO Box 820
809 West Main Street
Rogersville, TN 37857