# FIRST COMMUNITY BANK
BATESVILLE, AR · FDIC certificate 34533 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $3.63B | |
| Deposits | $2.87B | |
| Loans and leases | $2.95B | |
| Total equity | $284.6M | |
| Loans / deposits | 101.76% (p89 of band) | 87.10% |
| Liquid assets / assets | 13.96% (p18 of band) | |
| Uninsured deposits / deposits | 29.53% (p46 of band) | 30.76% |
| Brokered deposits | 6.56% | |
| Wholesale funding | 19.28% (p88 of band) | |
| FHLB advances / assets | 12.06% | |
| Tier 1 leverage | 9.04% (p13 of band) | 10.50% |
| Unrealized securities loss / equity | -15.89% (p26 of band) | -7.75% |
| AOCI / equity | -0.37% (p45 of band) | |
| ROA (annualized) | 1.32% (p56 of band) | 1.26% |
| Net interest margin | 4.14% (p75 of band) | 3.70% |
| Efficiency ratio | 56.23% (p41 of band) | |
| Noncurrent loans | 0.31% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p78 of band) | |
| Reserve coverage of noncurrent | 318.19% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 155.74% (p98 of band) | |
| Auto loans | $7.7M (0.26% of loans; DQ 1.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 596 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | charge-offs p90 | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | loans exceed deposits |  |
| 2016-12 | 2 | construction >100% equity, uninsured deposits leaving | loans exceed deposits |
| 2017-03 | 4 | capital falling, charge-offs p90 |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 3 | loans exceed deposits | charge-offs p90 |
| 2017-12 | 2 | capital falling | uninsured deposits leaving, loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 2 | loans exceed deposits |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2020-06 | 2 | capital falling | charge-offs p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 4 | loans exceed deposits, securities losses >30% of equity |  |
| 2022-12 | 3 |  | securities losses >30% of equity |
| 2023-03 | 3 | wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 3 | securities losses >30% of equity | wholesale funding >15%, capital falling |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | reserve under noncurrent |  |
| 2024-09 | 2 |  | reserve under noncurrent |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 3 | wholesale funding >15%, capital falling | loans exceed deposits, charge-offs p90 |
| 2025-09 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2025-12 | 2 |  | capital falling, charge-offs p90, reserve under noncurrent |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | loans exceed deposits |  |

## 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 & Politics
- 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
- 2026-09-04 [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
- 2026-06-25 [First Community Bank signs naming rights deal for Jonesboro athletics center - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPUHVwdG42TjR4QUhJV2lRVnJsT3h5ck5RQTJmSjNOazU0V3dRRHM5TW54eTdsRUpVU0NQVmdmdnpVZFNlWkV2djhXLWc1TlpZTGdJYzNnSk5VSFdONkktVGJRSzU4a0djVEY1M21jUHdWMEplbGozLUJXMUxqUlRyLTJDWUI3aUFwUEZUd25lMnliREV6M3hJN09xWkFKOGhfNjFaQUlBc21IQQ?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-06-29 [First Community Bank buys naming rights for Ridge Athletics Center - Talk Business & Politics](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbUdVNjFVcF9QeFVpZEdoclFLeExsbjRhVzJjQXJZNmgzRVg1d2hCVkF6UnBhMGlJakFMOHlDZFhPVUlpdG5DeFBOcEZxMHJaUXBaVGdLSllGOU05X19VdGhjbEtUby0wbThDS3ZaRTB2djAzQjRMM2ZsM2Q3MU5VUFU2RVNyNUNfTVVFcVBtUklYVHBTX3k1S2RleHpFaDJ3RXc?oc=5) · Talk Business & Politics
- 2026-06-19 [First Community Bank (AR) Review - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxQR3l4cUM3ZW5BUTBmXzVqRDZXNzFnOTJEVXFXenFVVnRRMlpmRzM0cGlHT3FBUC1UMXI1eWM3VlZsd3RPU0JWeDhpUzlFWVhBXzI1dEY3bEJEZUh4a0dWQ2hxbXk3YzBpbTlRbnNvMW10cWlRMEdqVmJDVWdyS1h1WEVwVFI?oc=5) · SmartAsset
- 2026-08-24 [First Community Bank Adds Three to Leadership (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWXBRT0dFQWFxVWo5ZFJDSmdQZEtnNi1halR1c29WSzM3OHNUWjBwdTFiS2E5U0R3VWpHdkUwTTl1S2Myd1hzUVpZU3NFSTN0MkNLVFdMcnlEX0tzOVRpR09sYXJJRjBWZGREdHpqa3Z2WW1GN214VjEtVFdmLTVHUXExNVdzMXVLaUZrZzZLbXV0Ui10ajVaLVhNeHdKdEVQ?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34533 (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/37.json (key "34533", 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