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First Community Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14904

Newell, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

First Community Bank has 1 strength but faces 3 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

  • + ROA 0.14% above tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.09% below tier average
  • - Efficiency Ratio 2.10% above tier average
  • - Delinquency Rate 0.46% above tier average
Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $121.0M
+2.9% YoY +3.5% QoQ
-$265.1M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Bottom 6.2% in tier
Total Loans ? $74.7M
+9.3% YoY -2.6% QoQ
-$181.0M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Bottom 9.0% in tier
Total Deposits ? $103.2M
+2.6% YoY +4.5% QoQ
-$224.8M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Bottom 6.9% in tier
Return on Assets ? 1.41%
+12.3% YoY +20.4% QoQ
+0.14% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
63%
Net Interest Margin ? 3.84%
+11.2% YoY +2.0% QoQ
-0.09% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
49%
Efficiency Ratio ? 67.39%
+4.6% YoY +3.7% QoQ
+2.10% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
39%
Delinquency Rate ? 1.35%
-8.6% YoY +2.7% QoQ
+0.46% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
21%
Loan-to-Deposit Ratio ? 72.40%
+6.6% YoY -6.8% QoQ
-4.24% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
63%
Non-Interest-Bearing Deposit Share ? 21.85%
-6.7% YoY -2.5% QoQ
-0.17% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.83%
-2.9% YoY -3.4% QoQ
+0.19% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
25%
Tier 1 Capital Ratio ? 12.55%
-2.4% YoY +2.0% QoQ
-3.28% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.20%
-9.6% YoY -73.8% QoQ
-0.08% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Top 14.6% in tier

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

390
Non-Interest Income / Assets
revenue_mix
Value: 0.20%
Peer Median: 0.28%
#390 of 2664 Top 14.6% in $100M-$1B

Top Weaknesses (5 metrics)

2499
Total Assets
size
Value: $121.00M
Peer Median: $386.08M
#2499 of 2664 Bottom 6.2% in $100M-$1B
2482
Total Deposits
size
Value: $103.19M
Peer Median: $327.97M
#2482 of 2664 Bottom 6.9% in $100M-$1B
2425
Total Loans
size
Value: $74.70M
Peer Median: $255.72M
#2425 of 2664 Bottom 9.0% in $100M-$1B
2086
Delinquency Rate
credit_quality
Value: 1.35%
Peer Median: 0.89%
#2086 of 2654 Bottom 21.4% in $100M-$1B
2007
Nonperforming Asset Ratio
credit_quality
Value: 0.83%
Peer Median: 0.64%
#2007 of 2664 Bottom 24.7% in $100M-$1B
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