# FIRST COMMUNITY BANK NA
SUGAR LAND, TX · FDIC certificate 26435 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $651.0M | |
| Deposits | $554.6M | |
| Loans and leases | $484.7M | |
| Total equity | $82.6M | |
| Loans / deposits | 86.35% (p58 of band) | 82.78% |
| Liquid assets / assets | 15.48% (p21 of band) | |
| Uninsured deposits / deposits | 14.74% (p27 of band) | 20.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.54% (p24 of band) | |
| FHLB advances / assets | 1.54% | |
| Tier 1 leverage | 10.07% (p50 of band) | 10.05% |
| Unrealized securities loss / equity | -1.15% (p10 of band) | 0.46% |
| AOCI / equity | -0.71% (p25 of band) | |
| ROA (annualized) | 5.54% (p100 of band) | 0.91% |
| Net interest margin | 3.91% (p71 of band) | 3.59% |
| Efficiency ratio | 79.01% (p78 of band) | |
| Noncurrent loans | 0.30% (p24 of band) | 0.71% |
| Net charge-offs (annualized) | 0.02% (p39 of band) | |
| Reserve coverage of noncurrent | 404.16% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 54.86% (p66 of band) | |
| Auto loans | $695,000 (0.14% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 158 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 1 |  | losing money, reserve under noncurrent, charge-offs p90, capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | losing money |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 0 |  | expense ratio p90, losing money, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |

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

- 2015-08-14 [Pioneer Bank and First Community Bank Announce Merger - financialit.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMFUwZFRMQTktNDFrdlFrVWdfb2FIcEFYVlU1TjRaQnZKMUF2QlJxd0JEdVdCUzlRVUZjREZVWHJvSGVMTS1sYVRTbnhzVmdQRUFGcGpjemZ6RmhhWUJlTHMxN2MxYXVfcDZpUUljUExJUVU5SWdXdzc3NDhSZDJCYm5zY1IyQVdXQlprYkhvSDVnc0RmYUE?oc=5) · financialit.net
- 2016-02-29 [Pioneer Bank Merger is Successfully Completed - PR Newswire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOYnRYdFFDMk51QmZvd0FSWnNlOHJEQ0Z1dVRZbUlhU3RNbEJscGVfWGVodkVmVnBtU0dwRU5ONWVxT05LdXltWENwRWV1VXNVUC1OZDNYSnJweWlvcGZGampjMTJfdDBYVVV6Z0w4SUswSVBLTWFIODhZcEk1Z3RxZmtwc2MxYW5WRE1YTlJTdUh4QWk1YVBmNWxWb3hYd1JyN2V3?oc=5) · PR Newswire
- 2017-01-13 [Post Oak Bancshares scoops up another Houston-area bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOQjRnTndLRUQ1dlE3bEhyRXFIc2RwMXFIU1FUOGRHTlJrOUd5dEJSLWxwOHlDZE83c0pwNjh3M2JZb0JjaGdpMm81eEgxRHNtWDhlalEyblNlNFBydFpFXzRZR3VubmpTR3U0R3Yyd3JrNm5JX1Y2d0VWQUxwNDZyNEtmTjhlZXIwTTBmTFJDM0ZJaWJ4NGFpdWlRMFdYZV8wX0htMVBIYm9iaVk?oc=5) · The Business Journals
- 2009-05-19 [George Clark - Chron](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUm9ybWJYRjlmYUJ4LVI5b2JKeTBhRFhpSjFQR1VXLXh3elRuXzZRd1c2MkNneF9yLUVYOXZWd2VqNnVHTGR1NFdwRS10dTVoSERva3pzMm93Rjg3bC13ZjhUVUFZWjNQbFFta2JpMjBfM2R5Qng5QjhFU1k1aWtRM1NwbTM1b1Uy?oc=5) · Chron

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26435 (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/3.json (key "26435", 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