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First Community Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 5384

Designations: ✓ CDFI-certified

Beemer, NE

4 branches across NE

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 81 in NE.
  • Deposits +24.1% year over year ($300.2M on the books).
  • Delinquency rate 0.40%.
  • Return on assets 0.99%.
  • Efficiency ratio 60.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.81% 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 81 in NE
View $100M-$1B leaderboard (NE) →

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

  • + Efficiency Ratio 3.60% below tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 49.3% in tier
  • - ROA 0.33% below tier average
  • - Net Interest Margin 0.30% 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 (NE) National Avg Tier Percentile
Total Assets ? $342.3M
+21.0% YoY +2.1% QoQ
-$44.2M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $254.6M
+26.4% YoY +4.9% QoQ
-$3.7M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $300.2M
+24.1% YoY -0.1% QoQ
-$26.5M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 0.99%
+21.9% YoY +6.4% QoQ
-0.33% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.68%
+5.2% YoY +1.9% QoQ
-0.30% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 60.88%
-10.6% YoY -1.9% QoQ
-3.60% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.40%
+115.5% QoQ
-0.51% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 84.81%
+1.9% YoY +5.0% QoQ
+6.86% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 16.36%
+7.0% YoY +1.3% QoQ
-5.67% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.30%
+121.5% QoQ
-0.37% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 11.15%
+1.5% YoY -0.4% QoQ
-4.76% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.19%
+2.2% YoY +131.3% QoQ
-0.38% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
47%

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 16.4%
+1.1pp YoY
+0.2pp QoQ
 -5.8pp 22.1% 17.6% 22.2% 29%
Brokered Deposits 8.7%
-4.9pp YoY
-3.1pp QoQ
 +0.8pp 7.9% 8.9% 8.5% 71%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 7.7%
-0.7pp YoY
-1.3pp QoQ
 -3.8pp 11.6% 12.3% 12.5% 38%
CRE 9.9%
+0.2pp YoY
-0.4pp QoQ
 -29.7pp 39.5% 32.3% 41.4% 5%
1-4 Family 13.7%
-1.2pp YoY
+1.2pp QoQ
 -18.9pp 32.6% 16.9% 31.3% 17%
Consumer 1.2%
-0.1pp YoY
-0.3pp QoQ
 -2.9pp 4.1% 3.1% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 11.2%
+0.2pp YoY
0.0pp QoQ
 -7.7pp 18.8% 16.1% 19.7% 9%
Leverage Ratio 9.1%
+0.3pp YoY
+0.1pp QoQ
 -3.1pp 12.2% 12.1% 12.6% 13%
Total Capital Ratio 12.4%
+0.2pp YoY
0.0pp QoQ
 -7.5pp 19.9% 17.3% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 31
+1 (+3.3%) YoY
-1 (-3.1%) QoQ
 -28 58 98 482 28%
Assets per Employee ($) $11.0M
+17.1% YoY
+5.4% QoQ
 +$3.5M $7.5M $8.5M $8.8M 90%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 69%
Nonaccrual 0.2%
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 27%
Allowance Coverage 3.26x
-55.0% QoQ
 -20.90x 24.15x 31.69x 20.23x 61%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 10.1%
+0.8pp YoY
+0.6pp QoQ
 -2.1pp 12.2% 12.3% 11.6% 38%
Cost of Funds (YTD) 2.7%
-0.5pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.9% 1.7% 94%
Net Income ($, YTD) $1.7M
+50.2% YoY
— QoQ
 -$883K $2.6M $6.1M $40.4M 46%

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
#620 of 1256 • Bottom 49.3% in tier

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

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
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