# FIRST COMMUNITY BANK
CHATOM, AL · FDIC certificate 14720 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**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 | $400.6M | |
| Deposits | $354.3M | |
| Loans and leases | $281.2M | |
| Total equity | $38.4M | |
| Loans / deposits | 78.40% (p37 of band) | 85.15% |
| Liquid assets / assets | 26.01% (p59 of band) | |
| Uninsured deposits / deposits | 19.80% (p43 of band) | 21.69% |
| Brokered deposits | 1.52% | |
| Wholesale funding | 2.77% (p33 of band) | |
| FHLB advances / assets | 1.25% | |
| Tier 1 leverage | 9.87% (p42 of band) | 10.22% |
| Unrealized securities loss / equity | -1.16% (p35 of band) | -0.60% |
| AOCI / equity | 2.20% (p93 of band) | |
| ROA (annualized) | 1.06% (p64 of band) | 0.90% |
| Net interest margin | 3.80% (p59 of band) | 3.66% |
| Efficiency ratio | 71.64% (p66 of band) | |
| Noncurrent loans | 1.79% (p89 of band) | 0.54% |
| Net charge-offs (annualized) | 0.05% (p58 of band) | |
| Reserve coverage of noncurrent | 68.02% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 77.50% (p79 of band) | |
| Auto loans | $3.6M (1.28% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 | capital falling | construction >100% equity |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | losing money |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 1 |  | losing money, charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 3 | capital falling, noncurrent p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | capital falling, noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |

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

- 2026-07-14 [$700M bank to acquire Central Alabama bank branch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxONWEwMXU1aDlwcWo3OVRKUElZd19tLUYxdjdjcnlaTUU5aGNySmprMWxBMXRVdl84UFpxTTdjdXp3RS1tOTZudTRCdFc0eGtTcWdJZExnVmxNWVJ5dUFwWXU1Um9yRjNhM0VvUVdsbGhHTU9XREYxUnVpaWdXc2VRbVctdzBMRTBTUEt2cGo0dFROUEQt?oc=5) · The Business Journals
- 2026-05-13 [Alabama community bank to introduce digital small-business brand - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzhNNWVzcWxSSmZWWkRveHB3cENIb1dpYlhEUFNwU0RRSnNMYmZfTUFLNk9RdkUwUUlScU4ybVVrUjEtSzBlTXZwbzNCZ1NnaU5LLVN1MFpoLThMRjN3eU5PUXVENkhvUnlkODU3c3RhQjBrbnR0REM1dzZVbEdoTUxLRkF6UmdIbUQtZktvLVJSd2ZtaW13MkVNT0diaXhSUUE?oc=5) · American Banker
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-03-19 [Alabama credit union to acquire in-state community bank - Banking Dive](https://news.google.com/rss/articles/CBMixAFBVV95cUxNUFRGck4teWNkcy1xVV95WW1mTVNFbHd1cXNGSTk5dE5xYzNaSUNYblc1bHZzbjNuWjY2SFBRSEJrU2l0czNHbjRpREJVQUkzV2E5MXRwRGc5NU1FSjlXSmh2alJ4UjJGdzlQa0xJTXdkbDJSZVBrbVdmTjI2Y1h2OFpPbGstOUt3cXdGdXlBcG8weXFwWGN6TEx0Wm5WVFVwaTRITTc4U1NySk10cVdMb2lfendRQ0NoNGRxa0d4MHYyeVVi?oc=5) · Banking Dive
- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - businessalabama.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · businessalabama.com
- 2025-03-20 [Legacy Credit Union to acquire First Community Bank - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVW5LM2FSSmNoOHA5Nlppbnd1X3YwSTJqaDU1ZVQxVlI1aWpTRzVSRnN2V3JtMWhVSHpnUWFlT1cwS1NOZXRvZE5JUFF4U29oYmVPelBYbVJYTE9UQ292bzVoaWVhVGo4SURWOGJMWUtEeEJfNnJmVnBCUnpudDYzN0I4UHhLSm1HV3BsQk5CVThNV05SemVLNktB?oc=5) · CUInsight
- 2025-03-18 [Birmingham-based Legacy Credit Union acquiring First Community Bank of Cullman - Bham Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWk8tQ3N6MWZNbnZOTjIzUTRzTVJRc05vU2FINUVscFJTWUhLN1owdF9fZ0xJdHUzOE5JTlFWUWc2dXZsdnd6NkxjWldBV3duM0wwT0dDMzZiSzV5NVYxWnU5eVMyclViZWNRTU45Znl5Z1FDWk9qc2NwUmE0ZE1sbFFvMVRGQ0o4b0pXMUlVUzJxR3d0eV9pSGFfTlRWNUkyd0pxTVllNE5aaW9TaWFV?oc=5) · Bham Now
- 2025-05-19 [First Community Bank Millbrook Celebrates Cofounder’s 100th Birthday - Elmore-Autauga News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSjlxZVlMRHBUb2xDTHZMSXRxcXhVdEhMZHdtWk00YUVrZDdvOGMwZzdUcUdaUklWNzAxczVoMkNCa2lpMmQ2Mzd6TEl4Sm44RTdKU1czMi00OUp2bDE1RG1FeW1sQzZKVnFsLXY4YmZnUnBZQS03bFhXWC1tR3hmOEFuT0VqYXI3cG9vdnoxdFRjUm5RbURzUVlkQ0tkNFN1QTBGYUhIMF9PZmxsd3c?oc=5) · Elmore-Autauga News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14720 (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/0.json (key "14720", 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