# FIRST COMMUNITY BANK
NEWELL, IA · FDIC certificate 14904 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $115.7M | |
| Deposits | $97.8M | |
| Loans and leases | $76.2M | |
| Total equity | $14.0M | |
| Loans / deposits | 76.93% (p57 of band) | 73.59% |
| Liquid assets / assets | 29.70% (p43 of band) | |
| Uninsured deposits / deposits | 15.12% (p32 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.89% (p64 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 9.40% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -3.72% (p61 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 1.47% (p66 of band) | 1.17% |
| Net interest margin | 3.98% (p53 of band) | 3.93% |
| Efficiency ratio | 65.24% (p48 of band) | |
| Noncurrent loans | 1.32% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 100.20% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.2M (1.56% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 5 | capital falling, noncurrent p90, charge-offs p90, uninsured deposits leaving |  |
| 2015-12 | 2 |  | capital falling, charge-offs p90, uninsured deposits leaving |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 | deposits shrinking | reserve under noncurrent, noncurrent p90 |
| 2017-09 | 0 |  | deposits shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling, uninsured deposits leaving |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, reserve under noncurrent |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## 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
- 2025-07-15 [SC’s First Community broaches Atlanta area in $41.6M deal - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTVVldFJRY0pSbFQ0WVRxUDFHc2t3c2g1T0dLMlY4ZnVSZHZVcTZHSy1Zd2JtcE0wVE9CVVFvOTVoXzQyUE0xYWJNZVdOOHEwRXpTZFgxaXlkeENiTTZqZkJxeUpjOGhuV1RqMkZ3RVMyU0RsTXpEWThuTDY3c3J4anN4cVBBQThudFBXNkE2TGN3eFltZFNCc1lUUHlJRmJZWFA4OWxGZzVVR2JnY0x1a3Jn?oc=5) · Banking Dive
- 2018-04-20 [Springfield First Community Bank to merge with an Illinois-based holding company - Springfield News-Leader](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQRmVuS2t6M0luZTE4bTFKV2lqc3dRVXdjVXMyOVJXTW1SZl9IWmJmb0JHcVBtV2FMSVhhMkNKdUNJT0VoOVIzWWp5dkFoU1ZMT25Jam9MOU5mY00tbTU1ZURHRG9xeGdBSzZ6WVNRUzJ6dEw1REJOYnd3VWxOd2hZd1F5bTE5Z1J2YllFdXNMYWthT1loNFJ2WUFtaG1NdndQaGt5V3BnTU5Za29XVFdyb0h5MERVcEFFSXRTT3RPanJzTkI4djhMcFRkMjhsM2VPeVY3Z1hDbjBRMktpODVuVjZub3VyQWhGMTN4QW5NZkZ6Vzg?oc=5) · Springfield News-Leader
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2018-10-31 [First Community Bank’s Main Street location opens; bank announces new initiatives for downtown Batesville - White River Now](https://news.google.com/rss/articles/CBMi3gFBVV95cUxORVphQkNlWnNDYndfY0JXVl9ic09KUk5XR1Vhc3YxQWh2aW5ndjZVNVJYQng0Y2JMRGsyTGkzUTNpeVpjZEkydHZCMFZweEx2eDJWUk9QOWsybEdZcUJIWUhXZWpJai1hNnNUNmxiZm9WemxUZkl6LW9ZbmIza3laQkpwOWloVlU1R2hYMl9FWHlPamdJNHl6SUtsVnROMjFqM1BZMXhvUExrUWc3ZUNfMEo0Q0dKdi12T09oNjRpdVl2NkFtWEZVX0hqWmhfc0ZqdnFDd3FwbDZRT2E0VUE?oc=5) · White River Now
- 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
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2012-11-26 [Harbor Springs-based bank completes its merger with bank in downtown Grand Rapids - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOakVGa0xhRGlZUzN1Q3pJVUpDbk9FakVwVS1ON3NBdjE1RExWMjM1TUpHaFJsWmZ0dnFERVFUaWNlelJGQWthOHZTSkF5ZExXNTM4TmxTdHdsV1JnRlhOb2ZvX1haSVgxRURvTUF4MTJPWjBYckxlTjBjS2lLVTZscDlNY0puX3hBZkVkV0l5NFY?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14904 (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/56.json (key "14904", 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