# FIRST COMMUNITY BANK
LEES SUMMIT, MO · FDIC certificate 14023 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $590.4M | |
| Deposits | $515.4M | |
| Loans and leases | $426.2M | |
| Total equity | $55.2M | |
| Loans / deposits | 81.22% (p62 of band) | 75.94% |
| Liquid assets / assets | 20.03% (p24 of band) | |
| Uninsured deposits / deposits | 13.23% (p52 of band) | 12.76% |
| Brokered deposits | 5.15% | |
| Wholesale funding | 6.10% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.15% (p35 of band) | 9.72% |
| Unrealized securities loss / equity | 0.83% (p16 of band) | 4.38% |
| AOCI / equity | 0.12% (p31 of band) | |
| ROA (annualized) | 0.43% (p22 of band) | 0.85% |
| Net interest margin | 3.78% (p57 of band) | 3.69% |
| Efficiency ratio | 70.37% (p58 of band) | |
| Noncurrent loans | 3.18% (p74 of band) | 1.75% |
| Net charge-offs (annualized) | 1.43% (p95 of band) | |
| Reserve coverage of noncurrent | 56.25% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 84.82% (p88 of band) | |
| Auto loans | $5.3M (1.23% of loans; DQ 2.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 157 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 3 | deposits shrinking | construction >100% equity |
| 2012-09 | 4 | assets shrinking |  |

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

- 2026-09-01 [First Community Bank Promotes Brandt McDonald To Senior Vice President - Arkansas Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeFI0RjlUYkRHRng4TVQ5MGpPbm14OWYyU241NmEtYTNYdE12SnUtampzTHc0LVZJRnZYUWdqRUl1Yi0wendPem1QeFZPU3Y3eEszTEhqOEhsTWp1TDFTcUF3SklRaTFpcFE0YWpOZmxDTzBBM0ZrVTBBNjc2dUx4OGx2RjVxUjFTajIyU3BLVjNsN3p5U3Bycw?oc=5) · Arkansas Radio
- 2026-06-19 [First Community Bank (AR) Review - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxQR3l4cUM3ZW5BUTBmXzVqRDZXNzFnOTJEVXFXenFVVnRRMlpmRzM0cGlHT3FBUC1UMXI1eWM3VlZsd3RPU0JWeDhpUzlFWVhBXzI1dEY3bEJEZUh4a0dWQ2hxbXk3YzBpbTlRbnNvMW10cWlRMEdqVmJDVWdyS1h1WEVwVFI?oc=5) · SmartAsset
- 2026-05-14 [First Community Bank announces new VP serving SWMO - The McDonald County Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVGdoc1ZTRXNmT0pFZXQ1S01HSHBDSTVtdHZvMzFZaFh0VmZ1X3JndTVaRlluSjdQT05TeUozWFJDUmFqNE1sbmo1SG5pOEZGVkhJUUlOeDlTZDM0Wi1Rek9lTjBzNUNUMmhDYnJ3d0w3eFc4b0xha0RWaUFsWlJJUUMyYXhLX19ITmgxUGppU0RMS2dUYnpMbzZ5OA?oc=5) · The McDonald County Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-07-31 [First Community Bank Promotes Wood, Williams to Leadership Roles - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMidEFVX3lxTE5NZEdQZUZvYUo2Q2pURkNNaWZpUFFyYWd3TW1FeWZTVGxwU3pZTDdGQW12YURoZ2tVYXZ5aEF4aTRDdXJFR215TVgyb1VEMlBrYzFDMEplQnhtcm9yUXJETC1XblRSUzMwdXNwNEs5bXR3cFVL?oc=5) · Arkansas Money & Politics
- 2026-07-03 [First Community Bank Employees Graduate from Barret School of Banking - Arkansas Radio](https://news.google.com/rss/articles/CBMipwFBVV95cUxORXhnMkhHMTNvb0tGVEx2bHY2QkFVTlk1T1NKbi1FU0JJVVZ5UFZtUUV3ajJoWHFfTE0tYkFvOFMyNGF3WGtsNlRXTy12ZWNoU0ZXR3NEWkk3VndET1JuVnBKOEoxaFBRX29vYVMwaktzWlE1R21DOUUtY0hGZ0M1cExLM2hhcmZvSXM4aFo4MUJWRnBVajFvcjN3Y0J3ZFdYaHpFMU13WQ?oc=5) · Arkansas Radio
- 2022-09-07 [First Community Bank recruits Simpson, Doyle to establish NWA lending team - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTlNEekd0dG9EbjNFdHFzeTVCN1paZVBfdXk5dmpjX3B0WTU4SWlSYTc2TjJkTFkyb1pQa3pjckVTSFJyZWQ5UThqcEZNc1lNbzA4dnU0aUV1S0VmbndWMUVmamJrVnhhWl9kSjlLb0pBN29TMFl6T1V3TElyMXVWTEtyNmEyck83ZE90amdMX01fWXhJX0JFSU1vVGlKbDJFVGF1a18zLXdIaXM?oc=5) · Talk Business & Politics
- 2026-04-06 [Dale Cole Addresses Rumors That First Community Bank Is for Sale - Arkansas Business](https://news.google.com/rss/articles/CBMisAFBVV95cUxOU051TS1oSUtjRXVIN0NEbEJJQzRVMHF1ejlHRF9TQ2xwWjcyeGxhaFFTWjJEeHl2S3ZTRmxIbm8yaGVTOHZDdVBxTUtfY1NsaGZxMnVhT3RYZ0NfZ2Q4RmFZcGxZc09KdlhzeWxRUGNocU45ZmdnRl9tT19DMDJEcWxVdXI2ZTluLXJUejN2ZjJuVEx0STlITkkxX0JxM1lNREhKRWhJNHp2VjZaekpBNg?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14023 (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/7.json (key "14023", 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