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First Community Bank

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

San Benito, TX

9 branches across TX

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 219 in TX.
  • Deposits +4.4% year over year ($697.4M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.78%.
  • Efficiency ratio 55.21% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.07% 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 219 in TX
View $100M-$1B leaderboard (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

  • + Deposit Franchise: Top 47.8% in tier
  • + ROA 0.46% above tier average
  • + Efficiency Ratio 9.27% below tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 43.0% in tier
Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $794.4M
+4.3% YoY +0.0% QoQ
+$407.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 8.2% in tier
Total Loans ? $460.8M
-2.5% YoY -0.1% QoQ
+$202.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 14.7% in tier
Total Deposits ? $697.4M
+4.4% YoY -0.7% QoQ
+$370.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 7.0% in tier
Return on Assets ? 1.78%
+15.4% YoY +4.0% QoQ
+0.46% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 4.49%
+3.1% YoY +2.2% QoQ
+0.50% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 55.21%
-3.8% YoY -1.9% QoQ
-9.27% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.01%
-91.1% YoY -91.3% QoQ
-0.91% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 13.3% in tier
Loan-to-Deposit Ratio ? 66.07%
-6.6% YoY +0.5% QoQ
-11.89% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 41.65%
+7.1% YoY +4.3% QoQ
+19.62% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.7% in tier
Nonperforming Asset Ratio ? 0.04%
+5.1% YoY +9.6% QoQ
-0.63% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 10.36%
+4.5% YoY +1.5% QoQ
-5.55% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.31%
-0.3% YoY +102.7% QoQ
-0.25% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
74%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 41.6%
+2.8pp YoY
+1.7pp QoQ
 +19.5pp 22.1% 29.2% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 19.4%
-1.2pp YoY
-0.2pp QoQ
 +7.8pp 11.6% 14.8% 12.5% 87%
CRE 64.6%
+2.3pp YoY
+0.5pp QoQ
 +25.1pp 39.5% 48.4% 41.4% 89%
1-4 Family 12.7%
-0.3pp YoY
0.0pp QoQ
 -20.0pp 32.6% 25.8% 31.3% 15%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.7% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.4%
+0.4pp YoY
+0.2pp QoQ
 -1.8pp 12.2% 12.6% 12.6% 39%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 132
+2 (+1.5%) YoY
-2 (-1.5%) QoQ
 +73 58 186 482 95%
Assets per Employee ($) $6.0M
+2.8% YoY
+1.6% QoQ
 -$1.5M $7.5M $10.1M $8.8M 34%
Branch Count 9
0 YoY
0 QoQ
 +4 4 12 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 12%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 231.12x
+1048.7% YoY
+1048.1% QoQ
 +206.96x 24.15x 18.82x 20.23x 98%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 20.7%
-0.5pp YoY
+0.6pp QoQ
 +8.5pp 12.2% 13.2% 11.6% 90%
Cost of Funds (YTD) 1.1%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 16%
Net Income ($, YTD) $7.0M
+22.5% YoY
— QoQ
 +$4.5M $2.6M $15.9M $40.4M 96%

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 (1)

Deposit Franchise

growth
#134 of 278 • Top 47.8% 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: 41.65%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.49%
(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

Concerns (1)

Capital Thin

risk
#285 of 661 • Bottom 43.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.36%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (9 metrics)

99
Non-Interest-Bearing Deposit Share
funding
Value: 41.65%
Peer Median: 22.03%
#99 of 2643 Top 3.7% in $100M-$1B
186
Total Deposits
size
Value: $697.45M
Peer Median: $326.73M
#186 of 2643 Top 7.0% in $100M-$1B
219
Total Assets
size
Value: $794.38M
Peer Median: $386.57M
#219 of 2643 Top 8.2% in $100M-$1B
350
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#350 of 2633 Top 13.3% in $100M-$1B
390
Total Loans
size
Value: $460.78M
Peer Median: $258.35M
#390 of 2643 Top 14.7% in $100M-$1B
532
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#532 of 2643 Top 20.1% in $100M-$1B
545
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.32%
#545 of 2643 Top 20.6% in $100M-$1B
548
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#548 of 2643 Top 20.7% in $100M-$1B
655
Loan-to-Deposit Ratio
liquidity
Value: 66.07%
Peer Median: 77.95%
#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (1 metrics)

2245
Tier 1 Capital Ratio
capital
Value: 10.36%
Peer Median: 15.91%
#2245 of 2643 Bottom 15.1% in $100M-$1B
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