# FIRST COMMUNITY BANK
HARBOR SPRINGS, MI · FDIC certificate 13179 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $413.6M | |
| Deposits | $358.3M | |
| Loans and leases | $339.4M | |
| Total equity | $40.3M | |
| Loans / deposits | 93.62% (p78 of band) | 82.04% |
| Liquid assets / assets | 12.53% (p10 of band) | |
| Uninsured deposits / deposits | 27.72% (p58 of band) | 25.97% |
| Brokered deposits | 0.49% | |
| Wholesale funding | 3.59% (p51 of band) | |
| FHLB advances / assets | 2.42% | |
| Tier 1 leverage | 9.93% (p32 of band) | 10.81% |
| Unrealized securities loss / equity | -1.77% (p81 of band) | -8.10% |
| AOCI / equity | -0.98% (p23 of band) | |
| ROA (annualized) | 1.91% (p84 of band) | 1.28% |
| Net interest margin | 5.51% (p98 of band) | 3.91% |
| Efficiency ratio | 64.58% (p60 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 38.94% (p46 of band) | |
| Auto loans | $689,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | loans exceed deposits |  |
| 2013-09 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2013-12 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-03 | 2 | liquid assets <10% | deposits shrinking, assets shrinking |
| 2014-06 | 4 | loans exceed deposits, reserve under noncurrent |  |
| 2014-09 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2014-12 | 2 | loans exceed deposits | reserve under noncurrent |
| 2015-03 | 3 | liquid assets <10% |  |
| 2015-06 | 4 | brokered >10%, wholesale funding >15% | liquid assets <10% |
| 2015-09 | 1 |  | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2015-12 | 3 | loans exceed deposits, reserve under noncurrent |  |
| 2016-03 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | loans exceed deposits, capital falling |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | loans exceed deposits, capital falling |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 2 |  | assets shrinking, noncurrent p90, reserve under noncurrent |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 | deposits shrinking |  |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-04-09 [First Community Bank to acquire Port Lavaca bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcEJsTGg2WEZqQ0c0QjJBVHJLX21PTjNUNnVwM1hDcm9OSktnUHpXdXBxM3Flc3VsVl9LWGp5NGNtaktDdU9oNXRQN3BTZ3c5T1BKNGJNZ3k5cEZycTRJSnpMdzZoR1JDZko3TnRDb09WN0FYakpyTkNRc3BRUW95Y2d1bmx0cHRxNDB6bjVWUkFpS0MySUhONTY0YkJDdTVxUTNqS2dEU21LUUpwd2hSODR2WXhSUnd0ZVhwY1VQRVlIMENPVjYzUkY1UVBnZFB3aVNHV1QzWl9BZnNZ?oc=5) · SouthTexasNews.com
- 2026-01-16 [First Community Bank honored by Northwest Michigan Habitat for Humanity for housing support - Petoskey News-Review](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOV2pqQ0c3ZUVSR3VaOTJfeGwwTm10RDZVaWgzNDNpaUJMbVVQMTZDd25XQkRNeXZtaTJZY0FYZ3EySlY1SkpsNlp2R25VNnlZbE9QekZ5QUc0MnBfUVpNMWNWbkRkY2xLVW5FLWxQb01HcFY4M2oyeGVCQ055anRmMHl3UXh6SVR1dDhWUFcwRXJIeV9aUzQ0MmFXeHYyYkwzOWN1enJXMEhKakRmOVFNdlZEVWdNeTk3cFBUSEtFN1p4NDg5WVlBV2pqNnpReVU3U1J0WG9kd2lybUdZUGMyYXpkM3BLV0h2bzdFbWJGSzlTYU9ZNWc?oc=5) · Petoskey News-Review
- 2026-07-01 [Coca-Cola, Shadrachs Coffee to Serve Guests at First Community Bank Sportsplex - NEA Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWEFORVVPUnVKTHFKX0w1Xzg2SDRYSk9Pd2g4OURpc0phWnhGd1RHb0N2TjZFR2R2R1drUFFLUERNUE1lRHVXU2JtTXZuY3FVcUEwbmpSZUFBdXJVbXRXRGFNTXJJZUZHbkJiNV80aDh6S3MzY1d6eTRNMmlnRWlmTjNBWWF1cWJhOGJDa2d1czdSY0U4dHFDOWlDWllpZ0ZEaTFZeWtVRi00cU1saW1TUQ?oc=5) · NEA Report
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-29 [Progress 2026 Edition - The County Press](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5vZmR1UUF6NjhGdHJURi02bTJMOG50N3N2d3ZGQ1lSZWctR0M1QW56TF94MVJrWERWQTVtMlZNdkwxT1FMejZjTkV3WGxIRDh5MFRzY3o2NXVidw?oc=5) · The County Press
- 2025-09-22 [New Hires at Lexicon, CARTI & First Community Bank (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZGh2cVhoQ2hqMFVTeU1WajZneTQ5T0Y0MVJUbmFEZ0F5STdBUnhjdEV6ZXlnc3I4TlpLUk9VRjdTVklaUmhTd0VGdnFpdnY1d21QUEdtV2w5VHB2X0E5LTY4Tl9lSERnbTVudWxPcmZwN3Zwa3U0cEdwZ3RCYlBuamRxM1RTR0FzMGFiN29xUlJaN2M4VkE?oc=5) · Arkansas Business
- 2020-01-16 [Plinqit Brings Rewards-Powered Financial Literacy to First Community Bank - Finovate](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUTVJUW81UzJKdG1qOHhhWVZ0S25RckxHa0ZwNGZOSEpMNU51dEc3bnNpbEw3Um8zeVhHLU1FZnpBOFBDaFo0RUxlSkdCajl5ekdaTmpxT21ONUdpNl9yLXJrZExOQW5CdHV2QVNjTkE5aEZUTWdQbWVYa2dMTl95UzJKT0tmbmM1UkloZXZwODg2bUt3U1phejFvdw?oc=5) · Finovate
- 2017-06-16 [First Community Bank targets small business community - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUEdvbEdGMTI5dHZfYmJTZHR4Uks2OTFuS0VkVmxmc2Z6WUwyYXR3ZGhKWk1XLVlxWG83NjVNV2RTa3FXa1BFZEhteWstSktId3lvUXJ4VklwbkJLai02azNhaEtGa3dkVF9GVnJMRTNNcElvOHhGNEdHNnNxcjVURm13MEJaTEtQdTVJMHFyMmtVcHpMTTV4QQ?oc=5) · Crain's Grand Rapids

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13179 (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/59.json (key "13179", 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.

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