# FIRST COMMUNITY BANK
CORPUS CHRISTI, TX · FDIC certificate 24353 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $662.8M | |
| Deposits | $582.2M | |
| Loans and leases | $456.0M | |
| Total equity | $75.7M | |
| Loans / deposits | 76.93% (p39 of band) | 82.04% |
| Liquid assets / assets | 28.05% (p59 of band) | |
| Uninsured deposits / deposits | 32.54% (p73 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.44% (p73 of band) | 10.81% |
| Unrealized securities loss / equity | -9.10% (p47 of band) | -8.10% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 1.20% (p46 of band) | 1.28% |
| Net interest margin | 4.77% (p89 of band) | 3.91% |
| Efficiency ratio | 74.49% (p82 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 266.96% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 118.32% (p92 of band) | |
| Auto loans | $2.0M (0.44% of loans; DQ 1.25%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 167 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | uninsured deposits leaving |  |
| 2016-09 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 3 | assets shrinking | charge-offs p90 |
| 2017-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 3 | capital falling | noncurrent p90 |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2019-06 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 | securities losses >30% of equity | capital falling |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 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
- 2026-04-09 [First Community Bank to acquire Port Lavaca bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcEJsTGg2WEZqQ0c0QjJBVHJLX21PTjNUNnVwM1hDcm9OSktnUHpXdXBxM3Flc3VsVl9LWGp5NGNtaktDdU9oNXRQN3BTZ3c5T1BKNGJNZ3k5cEZycTRJSnpMdzZoR1JDZko3TnRDb09WN0FYakpyTkNRc3BRUW95Y2d1bmx0cHRxNDB6bjVWUkFpS0MySUhONTY0YkJDdTVxUTNqS2dEU21LUUpwd2hSODR2WXhSUnd0ZVhwY1VQRVlIMENPVjYzUkY1UVBnZFB3aVNHV1QzWl9BZnNZ?oc=5) · SouthTexasNews.com
- 2026-04-23 [First Community Bank expands Gulf Coast footprint with Port Lavaca acquisition - The Victoria Advocate](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTE1SMDdMejhZRFJPcWRpRXhfVE0wcnF3V3ZaeHQwZ1o3QVpQX2ZtNy11WnFTeW1qSGQ3Z0s2OTIwSXp5NW9MdGxreVRnb04tOU5OMU9aZ1NtS0RHTEJzVlVrZVF2UlZRZU4tUEhxNF9XTWRmZGNQdjNzdXBaajBScmQwelUzbUFmS3A0dFBNMUUydDBuNFF1RTN3V2dTaWZsNXV2QVp4Qm5SdGpMeHl0NnNTcjREVExDZG0w?oc=5) · The Victoria Advocate
- 2026-03-13 [2026 AMP C-Suite: Dale Cole, First Community Bank Chairman & CEO - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiakFVX3lxTE1SckNIM19IUm9XeVhWM05fel9WekFGd2FmQmh2aDRVNXZ2dmpvRU1xTVJSM0RGS3d1aXdwZEpCUkJ3Z3VTWWdtMVNyX2FRNUVNb1pfZEEtZlBtYUNrTnRiUkVxb1dzak15cUE?oc=5) · Arkansas Money & Politics
- 2026-06-19 [First Community Bank (AR) Review - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxQR3l4cUM3ZW5BUTBmXzVqRDZXNzFnOTJEVXFXenFVVnRRMlpmRzM0cGlHT3FBUC1UMXI1eWM3VlZsd3RPU0JWeDhpUzlFWVhBXzI1dEY3bEJEZUh4a0dWQ2hxbXk3YzBpbTlRbnNvMW10cWlRMEdqVmJDVWdyS1h1WEVwVFI?oc=5) · SmartAsset
- 2026-05-18 [First Community Bank, Conway Regional Announce New Hires (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTktlQUM1aU1WaWFPY2F0Z2d2N1RjRkliTTN5ckhSaS1WQlBzTmdQSWdXRzNRUVFiY2VYRl9NTlJYWm5wbzMwYnZ3VTA2U1N1RGdhOUgxa1JpaU55clJ2TmhMWnNQSG1EdkxEd2lSc2k0SnV3dzR3U0JmdE9MUWFncEJjdG82LUNCaVVYRDEzMXpQNmh0RWxmVTI0VnFBM05BZ19ETHZn?oc=5) · Arkansas Business
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24353 (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/33.json (key "24353", 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