BlastPoint's Banking Scorecard
First Community Bank
Designations: ✓ Community bank
Batesville, AR
35 branches across AR · MO
First Community Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 3.92% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.7% in tier
- - ROA 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+13.2% YoY
+2.3% QoQ
|
+$685.5M |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$2.8B
+12.1% YoY
+2.2% QoQ
|
+$853.1M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$2.9B
+14.1% YoY
+3.2% QoQ
|
+$519.5M |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.19%
+3.8% YoY
+8.6% QoQ
|
-0.18% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
4.04%
+4.6% YoY
+1.2% QoQ
|
+0.22% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
57.14%
-7.1% YoY
-6.7% QoQ
|
-3.92% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.33%
+3.4% YoY
+1.0% QoQ
|
-0.56% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
98.43%
-1.8% YoY
-1.0% QoQ
|
+14.23% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
14.36%
-5.8% YoY
-1.3% QoQ
|
-6.93% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.40%
+108.9% YoY
-0.2% QoQ
|
+0.73% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.5% in tier |
| Tier 1 Capital Ratio ? |
10.41%
-0.2% YoY
-0.0% QoQ
|
-4.75% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.8% in tier |
| Non-Interest Income / Assets ? |
0.20%
+2.1% YoY
-75.1% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.