# FIRST COMMUNITY BANK
GLASGOW, MT · FDIC certificate 2176 · asset band $300M-1B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $385.9M | |
| Deposits | $318.9M | |
| Loans and leases | $196.6M | |
| Total equity | $42.0M | |
| Loans / deposits | 60.36% (p36 of band) | 67.37% |
| Liquid assets / assets | 44.65% (p70 of band) | |
| Uninsured deposits / deposits | 28.87% (p56 of band) | 27.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.99% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.39% (p65 of band) | 9.71% |
| Unrealized securities loss / equity | -21.74% (p24 of band) | -11.40% |
| AOCI / equity | -0.01% (p94 of band) | |
| ROA (annualized) | 0.99% (p55 of band) | 0.94% |
| Net interest margin | 3.29% (p64 of band) | 3.10% |
| Efficiency ratio | 67.76% (p54 of band) | |
| Noncurrent loans | 0.46% (p63 of band) | 0.29% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 449.83% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 36.85% (p45 of band) | |
| Auto loans | $4.5M (2.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 72 | |

## Flags firing in the latest filing

- none

## 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 | 2 | charge-offs p90 |  |
| 2012-03 | 2 | capital falling | charge-offs p90 |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 1 |  | noncurrent p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | noncurrent p90 |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | capital falling | noncurrent p90 |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | capital falling | reserve under noncurrent |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |

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

- 2026-03-17 [Seth Guin Joins First Community Bank as Lender - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBCRXFES1d6YXJnZHBlS1JBSllqVVRnaTRnSkNOTmNHVWc3SXAwZUZ6OEM1bFgwTl9adUdZRE1rOWxseTRPc2lvd2lMRGxBX0EtNlE3aEo0ODlCaXhLOTZNWUJCeG5nbGxa?oc=5) · Arkansas Money & Politics
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-27 [First Community Bank’s Howard House Golf Tournament Returns - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMic0FVX3lxTE03bDhTVDVveDJMaHZxeFpKOV9fZUxYd0lTRmlNVVZUVVFFZERRT2o0Nldwd2xya0VuakhRTEVJcE1SR3VxLXRLbFpRVXdHSTFqeXBGOWxXbnJpMkFENmF3VUloZjNtTE43Z1VldUV2RjdDRVU?oc=5) · Arkansas Money & Politics
- 2026-08-02 [Business People - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMickFVX3lxTE1KSWZoQmhPYl9SMHFaWTU2cHdCTzUyVm1fMEF0cmx4N0JmRlRNWEZZS1NMSExjbk5wQmdCSkwwNFJQQWV1cEhsQ0YtQkdsQmxPWHpmZW4xcXdmeHpYdTE0cFpadWg3aUNrVnJNZWJ2bm9rQQ?oc=5) · The Arkansas Democrat-Gazette
- 2025-11-16 [First Community Bank Donates Record $18,050 to Support Childhood Cancer Awareness Efforts - Arkansas Radio](https://news.google.com/rss/articles/CBMivwFBVV95cUxQbjdsR0pnYjRfMlpwMGQ2WW85RWZLbm45N2RreVgzWE9PeWhzMkhScWxOdGtmRmlEaXRzbTllcHVlZ1JQX2FvRnA4aHNhY0NaOFZlRTluekgtbEdkY1RYSW8za2pya1VVUlg5cklVMHpMUURMQ3A1aTl6aDVHTUd1NU9iODFVRUZFVndDU2FtV1dkNXhJRHh2U3V4OUZxREhEMU0wZnRyY21UUi03X2lNbi1GSWx4UEhyaDZUdlo2cw?oc=5) · Arkansas Radio
- 2024-09-30 [First Community Bank announces new branch managers - White River Now](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMEFobnpYeXZzTGpiNHU5SV9WUjVqaVBvZWZ2Z012VjhCUUFZNUlZRkhlR2dMQzRsbnpsUlU0cWR3OG94dzhrNTdtam9kWnF2Z3VaS3l1VzlfSnBuT1VhZm8zQXlLN0oyRDNUM0RhWmhQYzlLVTdXQ0pVckZaY0hnUURXaGJkUkpIMFpmRlJxdmdPOXlQU0xj?oc=5) · White River Now
- 2024-07-29 [First Community Bank promotes David Wood and Allen Williams - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcGV5UWZQRkJZYUNGTGtHVUt5U3hyMUwybURHSHpwczMySXRjaXNlTjBtanJBUy15a2pWdi04MzNIckxRb1NVdmdpN3pfWGszZW9RM0pyQ2tpMFNaenpCOFlhdGF6N19qeFp4T1pYUWdlS3NiRU1xelp1empwUENZbjRQMmVsbXh0dnphWm1qTFRmdWtBNG1QTA?oc=5) · Talk Business & Politics
- 2022-06-01 [Opportunity Bank of Montana Acquires First Community Bank - The Glasgow Courier](https://news.google.com/rss/articles/CBMivgFBVV95cUxQcjJXZVJpdGk2V2hQYnNtd2R3OFNxMWtwWkt0ZUdsOFp1ZjVER2FEUWw0RWg0MDZKdHlRVExMd1ZRTllJOUduZ1dxUzJFcU1nLTB0d3lTRDJBSVZLS2pGZ21nSE1SYk0tQU51T0Q4d2dUeTlBWVN4T3lzcUlKWWlnYTJlSVlhdmU0V2Zia2JxZHJFWXF6MnJITklQZFRPTFpxcDFRVU9lUjJOZ2UtYm9jczFFR3lzVXVwUXo4OVNn?oc=5) · The Glasgow Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2176 (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 "2176", 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