BlastPoint's Banking Scorecard

First Community Bank

$100M-$1B Specialty: Commercial TX FDIC cert 24353

Corpus Christi, TX

14 branches across TX

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

First Community Bank has 2 strengths 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

+ Deposit Franchise: Top 23.2% in tier
+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.0% in tier
- Flatlined Growth: Bottom 17.0% in tier
- Efficiency Ratio 12.69% above tier average

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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 ?	$662.8M -1.2% YoY +0.2% QoQ	+$276.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 14.6% in tier
Total Loans ?	$456.3M -3.4% YoY +1.7% QoQ	+$200.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 15.0% in tier
Total Deposits ?	$585.6M -2.6% YoY +0.2% QoQ	+$257.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 13.3% in tier
Return on Assets ?	0.86% -35.2% YoY -32.5% QoQ	-0.41%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	4.76% +1.9% YoY -1.1% QoQ	+0.83%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 11.8% in tier
Efficiency Ratio ?	77.97% +5.9% YoY +5.1% QoQ	+12.69%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.56% -11.7% YoY +14.6% QoQ	-0.32%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	77.92% -0.8% YoY +1.5% QoQ	+1.29%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	41.51% +1.0% YoY +0.8% QoQ	+19.49%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 3.8% in tier
Nonperforming Asset Ratio ?	0.49% +8.7% YoY +11.0% QoQ	-0.15%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	17.12% +8.0% YoY -0.5% QoQ	+1.29%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.15% -4.6% YoY -78.0% QoQ	-0.13%	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 (1)

Deposit Franchise

growth

#64 of 272 • Top 23.2% 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: 41.51%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.76%

(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 (2)

Margin Compression

decline

#7 of 305 • Bottom 2.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.86%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Flatlined Growth

risk

#88 of 512 • Bottom 17.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.86%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 (6 metrics)

103

Non-Interest-Bearing Deposit Share

funding

Value: 41.51%

Peer Median: 22.02%

#103 of 2664 Top 3.8% in $100M-$1B

316

Net Interest Margin

profitability

Value: 4.76%

Peer Median: 3.93%

#316 of 2664 Top 11.8% in $100M-$1B

356

Total Deposits

size

Value: $585.60M

Peer Median: $327.97M

#356 of 2664 Top 13.3% in $100M-$1B

389

Total Assets

size

Value: $662.83M

Peer Median: $386.08M

#389 of 2664 Top 14.6% in $100M-$1B

400

Total Loans

size

Value: $456.32M

Peer Median: $255.72M

#400 of 2664 Top 15.0% in $100M-$1B

601

Tier 1 Capital Ratio

capital

Value: 17.12%

Peer Median: 15.83%

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

Top Weaknesses (1 metrics)

2182

Efficiency Ratio

profitability

Value: 77.97%

Peer Median: 65.29%

#2182 of 2664 Bottom 18.1% in $100M-$1B