# FIRST COMMUNITY BANK
MILTON, WI · FDIC certificate 11225 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $158.9M | |
| Deposits | $141.8M | |
| Loans and leases | $123.9M | |
| Total equity | $15.1M | |
| Loans / deposits | 86.46% (p73 of band) | 73.59% |
| Liquid assets / assets | 20.43% (p23 of band) | |
| Uninsured deposits / deposits | 15.47% (p33 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p49 of band) | |
| FHLB advances / assets | 0.31% | |
| Tier 1 leverage | 10.38% (p30 of band) | 11.76% |
| Unrealized securities loss / equity | -12.35% (p35 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.17% |
| Net interest margin | 3.94% (p50 of band) | 3.93% |
| Efficiency ratio | 58.04% (p30 of band) | |
| Noncurrent loans | 0.34% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 330.70% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 78.48% (p89 of band) | |
| Auto loans | $543,000 (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 0 |  | capital falling, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | deposits shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2024-06 | 0 |  | capital falling, securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2024-01-27 [First Community Bank CEO Tyler Clinch to remain on CDIAC in 2024 - The Rogersville Review](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUVFmU2lySnVCcDkzekdXSDJkd0hBWE1YVmtkT0w3c25KdDFsNkJReVFaS01tNjd1N2lLNjJYUGcwVkYwOGNSRGRYdHlZYlloS29uN0FIYVVzUkxhMllxOUNNbDNNYWg0U1lyMmU2RGpmaVRYX05lbkdnSTV2eXIxSG90YXVvakplLVU3TDVtaHpHamJmM3J3OGQ4Mm5aNEc0T20ySWRieUg2NUlOVkxj?oc=5) · The Rogersville Review
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2011-07-14 [U.S. Bank finalizes transition from Taos' First Community Bank - The Taos News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNa3FPQ1diMFBTRHkzQVF6QzRnZ3h0Mzl5S0ZaU3FHdDhQWVVTZjNxMk43TFd3UE5xeGZfQVRZcGVlVUtZQVRMTmU1Z3pOS1Z2ZzMtM1o5MjRKcWRZSzJWVkRfOWpPV2NaendGaXhXM1dKNHFsSzYxNGc4OGFsYmZVWFJ6Zks3OFJXSERVTmlsdjdfWENUZE1oTFRaNklPUWlMSDVjZnRDd2lrY1NFZG8zSWNvcDlZMlBkcjVDQjFzRGdDYy1qQjk3QjVuVTBYTVY4NE1BaFF1OA?oc=5) · The Taos News
- 2025-02-09 [First Community sold to KleinBank - Pioneer Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE9GYlZJa0xoampFTk5lMEpUOWh4cmxwVmV3LV80QUE1VFh2QXdBYXp5U1lmTXpWbTJ5Q0FCQVd3OG5Jd2ZabFNOdUVCOFR1VFBjU2lrMWFkcmxpX0VJSlhYcDFWS0QzTGpkazNXQW5ib2hKY1F0eUZMMUdIZ20?oc=5) · Pioneer Press
- 2017-12-07 [Nicholas Kuhns Joins First Community Bank Staff Nov. 27 - thejournal-news.net](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVGk1SEZqVm4zcUZ2YlFGRnNzQm1ZZEJOZGpGUVVsVUNfY3E3SnBlX3VjQlgyZXlIQ3pGbUVWbUxLVk9OTjE5SWRiaXIzRHNUbTZmMGs2ZjRmTWt1NnpMYUFCN1RBbFVHWWYxOTJQdE15Ym1jTGhtUWpTcjZjaGNtbGUyaW1MSzhWcXJReWZydkFTU2F5cWxZYUQyRWxnSnF5X0E?oc=5) · thejournal-news.net
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11225 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "11225", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide