BlastPoint's Banking Scorecard

First Community Bank

$100M-$1B Specialty: Commercial TX FDIC cert 22964

San Benito, TX

9 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

First Community Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 2.0% in tier
+ Deposit Franchise: Top 53.7% in tier
+ ROA 0.45% above tier average
+ Efficiency Ratio 8.98% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$794.0M +8.2% YoY +1.9% QoQ	+$407.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 8.3% in tier
Total Loans ?	$461.4M -0.9% YoY -1.2% QoQ	+$205.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 14.7% in tier
Total Deposits ?	$702.0M +9.0% YoY +1.6% QoQ	+$374.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 6.6% in tier
Return on Assets ?	1.71% +12.9% YoY +0.9% QoQ	+0.45%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.39% +2.9% YoY -1.3% QoQ	+0.46%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	56.30% -1.6% YoY +0.8% QoQ	-8.98%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.07% +1.2% QoQ	-0.82%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	65.72% -9.0% YoY -2.8% QoQ	-10.92%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	39.91% +3.8% YoY +3.4% QoQ	+17.89%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 4.8% in tier
Nonperforming Asset Ratio ?	0.04% -1.9% QoQ	-0.60%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	10.21% +4.3% YoY +0.9% QoQ	-5.62%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 12.1% in tier
Non-Interest Income / Assets ?	0.16% -5.6% YoY -76.5% QoQ	-0.12%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Credit Quality Leader

growth

#14 of 664 • Top 2.0% in tier

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

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Deposit Franchise

growth

#147 of 272 • Top 53.7% 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: 39.91%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.39%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#147 of 1308 • Bottom 11.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (9 metrics)

129

Non-Interest-Bearing Deposit Share

funding

Value: 39.91%

Peer Median: 22.02%

#129 of 2664 Top 4.8% in $100M-$1B

178

Total Deposits

size

Value: $702.02M

Peer Median: $327.97M

#178 of 2664 Top 6.6% in $100M-$1B

221

Total Assets

size

Value: $794.02M

Peer Median: $386.08M

#221 of 2664 Top 8.3% in $100M-$1B

392

Total Loans

size

Value: $461.37M

Peer Median: $255.72M

#392 of 2664 Top 14.7% in $100M-$1B

538

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#538 of 2664 Top 20.2% in $100M-$1B

579

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#579 of 2664 Top 21.7% in $100M-$1B

591

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#591 of 2654 Top 22.2% in $100M-$1B

601

Net Interest Margin

profitability

Value: 4.39%

Peer Median: 3.93%

#601 of 2664 Top 22.5% in $100M-$1B

659

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (1 metrics)

2342

Tier 1 Capital Ratio

capital

Value: 10.21%

Peer Median: 15.83%

#2342 of 2664 Bottom 12.1% in $100M-$1B