# FIRST COMMUNITY BANK
KEOKUK, IA · FDIC certificate 30652 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $118.0M | |
| Deposits | $95.8M | |
| Loans and leases | $59.1M | |
| Total equity | $10.8M | |
| Loans / deposits | 60.02% (p29 of band) | 70.88% |
| Liquid assets / assets | 46.05% (p75 of band) | |
| Uninsured deposits / deposits | 1.08% (p7 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.05% (p77 of band) | |
| FHLB advances / assets | 8.22% | |
| Tier 1 leverage | 9.02% (p37 of band) | 9.71% |
| Unrealized securities loss / equity | 4.54% (p82 of band) | 0.79% |
| AOCI / equity | -0.91% (p5 of band) | |
| ROA (annualized) | 0.34% (p31 of band) | 0.66% |
| Net interest margin | 2.67% (p7 of band) | 3.79% |
| Efficiency ratio | 79.47% (p61 of band) | |
| Noncurrent loans | 5.35% (p86 of band) | 1.53% |
| Net charge-offs (annualized) | 0.65% (p86 of band) | |
| Reserve coverage of noncurrent | 49.79% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 59.75% (p80 of band) | |
| Auto loans | $817,000 (1.38% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |

## 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=30652 (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/60.json (key "30652", 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