# FIRST COMMUNITY BANK
WHITEHALL, OH · FDIC certificate 17520 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $102.8M | |
| Deposits | $90.5M | |
| Loans and leases | $62.5M | |
| Total equity | $12.0M | |
| Loans / deposits | 67.84% (p40 of band) | 73.61% |
| Liquid assets / assets | 36.19% (p58 of band) | |
| Uninsured deposits / deposits | 6.68% (p18 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.62% (p64 of band) | 10.70% |
| Unrealized securities loss / equity | 2.19% (p70 of band) | 0.86% |
| AOCI / equity | 0.44% (p70 of band) | |
| ROA (annualized) | -0.27% (p4 of band) | 0.84% |
| Net interest margin | 3.40% (p37 of band) | 3.64% |
| Efficiency ratio | 107.56% (p96 of band) | |
| Noncurrent loans | 1.40% (p69 of band) | 0.69% |
| Net charge-offs (annualized) | 0.05% (p65 of band) | |
| Reserve coverage of noncurrent | 128.60% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 13.27% (p46 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 | assets shrinking | charge-offs p90 |
| 2012-12 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2013-03 | 3 | deposits shrinking | reserve under noncurrent, losing money, charge-offs p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 0 |  | assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2014-03 | 2 | deposits shrinking, assets shrinking |  |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 2 | expense ratio p90 |  |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | losing money, expense ratio p90 |  |

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

- 2026-09-07 [First Community Bank, USAble Life, Conway Corp. Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxNY3RoZjBzUG4yWF9nOHN0ZldHSXRnX3FyY0dFUlZhWi1WeEhFamdxMEhmeXZwaW1nNU0waGhraUdIY3VpeXZHNGhrOFluQmhlSWMzYXVOMlM0WTZ4b002Y09ZTTNja2ZXQzJKUlpxUDBqQzFlVmFzcm90WE9zQ3lscUw2OXJpTF9EblEwcmhsOERzZDRmVW1TY1IzOWg0ekJIZUJqSFlKNHduQkZ1MUVHeFJR?oc=5) · Arkansas Business
- 2026-08-25 [Daniel Kemper Promoted to SVP at First Community Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTE9iTzBpNm92U3UxeTdBckhVQmV3eUNFeDdmZ2NLNE5UOTByVVE3ZHpwTWV3MGtEblFKQ0lKUDdMam5CTmxZdzFITXhNbHE2amhSSnktS3h2eC1tZHFNN2s2Z2tGN1Z5ZElZSUxJY0tEXzQ?oc=5) · Arkansas Money &amp; Politics
- 2026-07-22 [First Community Corporation Announces Leadership Transition, Second Quarter Results and Increased Cash Dividend - PR Newswire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTVJGeGVEN3ZfcTVENzJlemlwTkh4QTlOZUFaSVg3NTJlbFlITmItbk5iR3lSbDlwRVhDYl8zY0d0RWdCemZ1ZDN4TlVHSFpObDI5YkZBZnJtREZFcHVrTVFRX2tWWFRXd2ZDdDRUWEpVVm1wNTh1M1d0OFVzbjlrRXRTNXhJVHBWQVlXcjF3NjAwcUdNTUs5d1pPMlJZc3FnMzVONFUzcVhLemRfR2tMcVVXellVZm5ONk01akFobXZ5azRVLU9oNTlLRVkyWlc1WXZwa3RVanlmOHlVY1hkZ0p2ZWJncl9rakdqcWxGWU9iX2tpNzBFRVZB?oc=5) · PR Newswire
- 2026-09-01 [First Community Bank promotes Brandt McDonald to senior vice president - White River Now](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbkdzRW5kX3FhZHZkYUxsUmdFbmdYYWhBWjZCV0RVal9iZU9mdkE3YWN1WXBKN3V4cjVESGplaXhyNVB2M0s2ODNQeUZnTE56OUxCTVVzY1kzNElpb3drNWZ3MFA5S1B0dk9qU3JEMlF1UjhOOTBHbmVJY2FiRmhYSDcxeGRMRVp4VU5PYTF4OXFKbVVZMFdqeEFVSC1nbTJjay1wdFY2VVJLOUVLR3hHSDd3?oc=5) · White River Now
- 2026-09-08 [First Community to present 2Q26 results, leadership transition and Signature Bank of GA acquisition details - TradingView](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPZ2pKTV9wSUx0czVEaFUtZ3pFLVZUV0JmUGlJVlRDbi1DNE0xZW5BSWNTaEItVWc5NnFqMGc0b0d5ZGxia2diS1BTZzFOZ19Rcng2c0lVbERBcHVWbFVRRnNOSENCamlpNzRacXhsdlVocWtDQzdXbWRHTG9sMG8ybGo0TUVWdFpYRWtVdG5Hc2E5QmlaM2U4UEdWTjdaU0xlenZsTVlucGZJcDk4ZXZFSzRodk13c05RMGFXR2NZclZEMHBPZFpVM2pSbHl3dVZCYlpadE5FQ3N5aVZKM1pKa19oamJveVlrdHJ4eEcxbFhST0xNOFkxQ241Slo?oc=5) · TradingView
- 2026-09-04 [First Community Bank To Break Ground On New Beebe Banking Center September 29 - Arkansas Radio](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcGlJZ0U2SVJTRHR4MlNVSHA1YVQ0UjBYcnZlOHhvcTUwQWR1RHNPcUFXaEdyRDJyeVZtdTZCTGhGRWozbXhrT2UxNWRmQWxxUWxBOVk2V1cyMDd4ckNOYnluQnBtWnpJRW1MV3NRMUxfeUg2blVWdlZJRzVBa2lUcWFB?oc=5) · Arkansas Radio
- 2026-09-04 [First Community Bank announces promotions - guardonline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZ3FZMV9hbG9DRWZYLXFzcmJpc2lpMXJxdVBjN2ItUUYwWGJhUlU3ZjUzZU9YdGdhLTdmYXM5cHZEMUVGaDdGUnhqc0xJUW1ZMkhrRkFaY0VYemN4dlFpcWpCWnp3bm9OXy1oZ0hLaGtvWW92Qm4zeTVCQ1M5bGlJYkVmQVVqTV9paGtYLVMwekFhU0FOSUtUWk5ibzEzb2Y5UlFPaFRwM2lKR1kxVUFaMTBsWHlReVNFTFRXemgybDBqQQ?oc=5) · guardonline.com
- 2026-09-04 [First Community Bank promotes in Searcy - The Daily Citizen](https://news.google.com/rss/articles/CBMizgFBVV95cUxOSzBDRlVMX1V1TEVWQWFJeVN1cEpMcC0wSkI1NUxkV1RQRGtreDFMcW1kM0w1MXIwWTdPanNmRmRFQi04WnZTeG42N2xxQ0syTlJRYWlWNF9ENE5xd0gtWHhITEh6aUlzYUZaQ1RSQnUzU01VM1F6OEVoUi1RVXVieWI3QXQ5Tm9WY3dYWXpnMW54cUFGVUl3ZDlkeWMzUGxweFpFaEVtMDQtOUk2QU12UWZDd3RGNklyWGx4WVoyU1FHWDRFdExfeDB5U1lCUQ?oc=5) · The Daily Citizen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17520 (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/48.json (key "17520", 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