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First Community Bank

$100M-$1B Specialty: Commercial MI FDIC cert 13179

Harbor Springs, MI

10 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +2.8% year over year ($358.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.91%.
  • Efficiency ratio 64.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

First Community Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 0.7% in tier
  • + Credit Quality Leader: Top 29.1% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.58% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 24.9% in tier
  • - Efficiency Ratio 0.10% above tier average
Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $413.6M
+2.2% YoY -0.1% QoQ
+$27.0M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $335.4M
+4.2% YoY -0.6% QoQ
+$77.1M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $358.3M
+2.8% YoY +0.7% QoQ
+$31.6M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 1.91%
+14.8% YoY +0.7% QoQ
+0.58% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 5.51%
+8.9% YoY +0.1% QoQ
+1.52% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Top 2.9% in tier
Efficiency Ratio ? 64.58%
-4.1% YoY +0.9% QoQ
+0.10% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 93.62%
+1.3% YoY -1.2% QoQ
+15.66% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 40.40%
+1.1% YoY +4.7% QoQ
+18.37% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 4.4% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.96%
-3.1% YoY +0.9% QoQ
-3.95% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.19%
+0.3% YoY +116.5% QoQ
-0.37% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 40.4%
+0.4pp YoY
+1.8pp QoQ
 +18.3pp 22.1% 25.9% 22.2% 96%
Brokered Deposits 0.6%
-5.2pp YoY
 -7.3pp 7.9% 12.3% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 11.3%
+0.6pp YoY
+0.3pp QoQ
 -0.3pp 11.6% 12.8% 12.5% 60%
CRE 69.9%
-0.2pp YoY
-0.3pp QoQ
 +30.4pp 39.5% 45.9% 41.4% 93%
1-4 Family 18.9%
-0.3pp YoY
+0.1pp QoQ
 -13.8pp 32.6% 33.6% 31.3% 28%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.6% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 12.0%
-0.4pp YoY
+0.1pp QoQ
 -6.9pp 18.8% 26.9% 19.7% 17%
Leverage Ratio 9.9%
-0.2pp YoY
0.0pp QoQ
 -2.2pp 12.2% 12.3% 12.6% 29%
Total Capital Ratio 13.2%
-0.4pp YoY
+0.1pp QoQ
 -6.8pp 19.9% 27.9% 20.8% 18%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 69
-3 (-4.2%) YoY
-3 (-4.2%) QoQ
 +10 58 134 482 70%
Assets per Employee ($) $6.0M
+6.6% YoY
+4.2% QoQ
 -$1.5M $7.5M $6.8M $8.8M 34%
Branch Count 10
0 YoY
0 QoQ
 +5 4 9 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.79x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 19.3%
+2.3pp YoY
+0.2pp QoQ
 +7.1pp 12.2% 11.7% 11.6% 86%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.5% 1.7% 6%
Net Income ($, YTD) $3.9M
+18.6% YoY
— QoQ
 +$1.4M $2.6M $7.3M $40.4M 80%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#3 of 278 • Top 0.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.40%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.51%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Credit Quality Leader

growth
#193 of 659 • Top 29.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#173 of 691 • Bottom 24.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
78
Net Interest Margin
profitability
Value: 5.51%
Peer Median: 3.99%
#78 of 2643 Top 2.9% in $100M-$1B
117
Non-Interest-Bearing Deposit Share
funding
Value: 40.40%
Peer Median: 22.03%
#117 of 2643 Top 4.4% in $100M-$1B
420
Return on Assets
profitability
Value: 1.91%
Peer Median: 1.32%
#420 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (1 metrics)

2143
Loan-to-Deposit Ratio
liquidity
Value: 93.62%
Peer Median: 77.95%
#2143 of 2643 Bottom 19.0% in $100M-$1B
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