BlastPoint's Banking Scorecard
First Community Bank
Corpus Christi, TX
14 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 -2.6% year over year ($582.2M on the books).
- Delinquency rate 0.68%.
- Return on assets 1.20%.
- Efficiency ratio 74.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 24.5% in tier
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 22.5% in tier
- - Credit Quality Pressure: Bottom 35.8% in tier
- - Flatlined Growth: Bottom 36.9% in tier
- - Efficiency Ratio 10.01% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$662.8M
-1.0% YoY
-0.0% QoQ
|
+$276.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 14.5% in tier |
| Total Loans ? |
$447.9M
-2.9% YoY
-1.9% QoQ
|
+$189.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$582.2M
-2.6% YoY
-0.6% QoQ
|
+$255.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 13.3% in tier |
| Return on Assets ? |
1.20%
-15.6% YoY
+39.4% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.77%
-0.2% YoY
+0.4% QoQ
|
+0.79% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 12.4% in tier |
| Efficiency Ratio ? |
74.49%
+4.1% YoY
-4.5% QoQ
|
+10.01% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.68%
+21.2% YoY
+20.2% QoQ
|
-0.24% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
76.93%
-0.3% YoY
-1.3% QoQ
|
-1.02% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
41.80%
+4.0% YoY
+0.7% QoQ
|
+19.77% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 3.6% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+20.3% YoY
-2.6% QoQ
|
-0.19% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
17.63%
+7.7% YoY
+3.0% QoQ
|
+1.72% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.40%
+18.0% YoY
+160.8% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 14.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
41.8%
+1.6pp YoY +0.3pp QoQ |
+19.6pp | 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 |
8.4%
-1.1pp YoY -0.8pp QoQ |
-3.1pp | 11.6% | 14.8% | 12.5% | 43% |
| CRE |
60.6%
+1.7pp YoY +0.4pp QoQ |
+21.0pp | 39.5% | 48.4% | 41.4% | 85% |
| 1-4 Family |
25.6%
-0.6pp YoY +0.2pp QoQ |
-7.0pp | 32.6% | 25.8% | 31.3% | 42% |
| Consumer |
2.2%
+0.5pp YoY +0.1pp QoQ |
-1.9pp | 4.1% | 4.7% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.6%
+1.3pp YoY +0.5pp QoQ |
-1.2pp | 18.8% | 22.7% | 19.7% | 68% |
| Leverage Ratio |
12.4%
+0.9pp YoY +0.3pp QoQ |
+0.3pp | 12.2% | 12.6% | 12.6% | 69% |
| Total Capital Ratio |
18.9%
+1.3pp YoY +0.5pp QoQ |
-1.0pp | 19.9% | 23.8% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
167
0 YoY +4 (+2.5%) QoQ |
+108 | 58 | 186 | 482 | 98% |
| Assets per Employee ($) |
$4.0M
-1.0% YoY -2.4% QoQ |
-$3.5M | $7.5M | $10.1M | $8.8M | 4% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 12 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 61% |
| Allowance Coverage |
2.67x
-11.0% YoY -14.8% QoQ |
-21.48x | 24.15x | 18.82x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
-3.8pp YoY +3.0pp QoQ |
-1.4pp | 12.2% | 13.2% | 11.6% | 41% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$4.0M
-16.3% YoY — QoQ |
+$1.4M | $2.6M | $15.9M | $40.4M | 80% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.