BlastPoint's Banking Scorecard

First Community Bank

$1B-$10B Specialty: Commercial AR FDIC cert 34533

Designations: ✓ Community bank

Batesville, AR

35 branches across AR · MO

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
Deposits +9.4% year over year ($2.9B on the books).
Delinquency rate 0.32%.
Return on assets 1.32%.
Efficiency ratio 56.23% vs a 59.73% peer average.
Loan-to-deposit ratio 101.76% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR

View $1B-$10B leaderboard (AR) →

First Community Bank has 3 strengths but faces 2 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

+ Net Interest Margin 0.27% above tier average
+ Efficiency Ratio 3.50% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 21.5% in tier
- ROA 0.07% below tier average

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$3.6B +11.7% YoY +3.7% QoQ	+$836.7M	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$2.9B +12.2% YoY +3.5% QoQ	+$953.7M	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$2.9B +9.4% YoY +0.1% QoQ	+$547.5M	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.32% +13.5% YoY +10.9% QoQ	-0.07%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	4.14% +6.8% YoY +2.5% QoQ	+0.27%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	56.23% -8.7% YoY -1.6% QoQ	-3.50%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	59%
Delinquency Rate ?	0.32% +33.4% YoY -4.4% QoQ	-0.55%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	101.76% +2.5% YoY +3.4% QoQ	+16.73%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	Bottom 11.3% in tier
Non-Interest-Bearing Deposit Share ?	15.43% -8.9% YoY +7.5% QoQ	-5.84%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	1.34% +73.0% YoY -4.6% QoQ	+0.66%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 13.0% in tier
Tier 1 Capital Ratio ?	10.61% +2.0% YoY +1.9% QoQ	-4.23%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 12.3% in tier
Non-Interest Income / Assets ?	0.43% +2.8% YoY +115.6% QoQ	-0.10%	0.53% +2.5% YoY	0.36% -4.6% 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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	15.4% -1.5pp YoY +1.1pp QoQ	-5.9pp	21.4%	19.6%	22.2%	29%
Brokered Deposits	8.3% +3.0pp YoY +1.2pp QoQ	-1.2pp	9.5%	7.2%	8.5%	63%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	15.8% +0.1pp YoY -0.7pp QoQ	+1.8pp	14.0%	12.7%	12.5%	69%
CRE	46.7% -3.2pp YoY -1.9pp QoQ	-3.3pp	50.0%	41.0%	41.4%	41%
1-4 Family	26.7% +1.5pp YoY +2.0pp QoQ	+0.2pp	26.4%	28.1%	31.3%	58%
Consumer	7.8% +1.2pp YoY +0.5pp QoQ	+3.1pp	4.7%	4.5%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	10.6% +0.2pp YoY +0.2pp QoQ	-5.0pp	15.6%	15.1%	19.7%	4%
Leverage Ratio	9.0% +0.1pp YoY +0.3pp QoQ	-2.3pp	11.3%	11.9%	12.6%	12%
Total Capital Ratio	11.6% +0.4pp YoY +0.3pp QoQ	-5.1pp	16.7%	16.3%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	596 +25 (+4.4%) YoY +17 (+2.9%) QoQ	+282	313	315	482	88%
Assets per Employee ($)	$6.1M +7.0% YoY +0.7% QoQ	-$4.4M	$10.5M	$6.7M	$8.8M	13%
Branch Count	35 0 YoY 0 QoQ	+15	20	25	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.4%	26%
Nonaccrual	0.3% +0.1pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	33%
Allowance Coverage	3.18x -8.4% YoY +9.8% QoQ	-15.53x	18.71x	4.69x	20.23x	66%
Net Charge-off Rate (YTD)	0.1% -0.3pp YoY -0.1pp QoQ	-0.1pp	0.3%	0.2%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	16.9% +1.5pp YoY +1.6pp QoQ	+4.3pp	12.6%	12.3%	11.6%	82%
Cost of Funds (YTD)	2.6% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.9%	2.0%	1.7%	88%
Net Income ($, YTD)	$23.2M +28.6% YoY — QoQ	+$3.9M	$19.2M	$16.0M	$40.4M	74%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#107 of 492 • Bottom 21.5% in tier

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

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

166

Total Loans

size

Value: $2.92B

Peer Median: $1.96B

#166 of 885 Top 18.6% in $1B-$10B

199

Total Assets

size

Value: $3.63B

Peer Median: $2.79B

#199 of 885 Top 22.4% in $1B-$10B

216

Total Deposits

size

Value: $2.87B

Peer Median: $2.32B

#216 of 885 Top 24.3% in $1B-$10B

Top Weaknesses (3 metrics)

786

Loan-to-Deposit Ratio

liquidity

Value: 101.76%

Peer Median: 85.04%

#786 of 885 Bottom 11.3% in $1B-$10B

777

Tier 1 Capital Ratio

capital

Value: 10.61%

Peer Median: 14.84%

#777 of 885 Bottom 12.3% in $1B-$10B

771

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.67%

#771 of 885 Bottom 13.0% in $1B-$10B