# FIRST COMMUNITY BANK
HAMMOND, LA · FDIC certificate 35090 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $105.6M | |
| Deposits | $84.4M | |
| Loans and leases | $77.8M | |
| Total equity | $12.3M | |
| Loans / deposits | 90.84% (p90 of band) | 66.54% |
| Liquid assets / assets | 21.74% (p17 of band) | |
| Uninsured deposits / deposits | 10.85% (p45 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.77% (p81 of band) | |
| FHLB advances / assets | 7.77% | |
| Tier 1 leverage | 11.68% (p72 of band) | 10.04% |
| Unrealized securities loss / equity | -1.20% (p3 of band) | 2.48% |
| AOCI / equity | -1.06% (p17 of band) | |
| ROA (annualized) | -0.34% (p7 of band) | 0.72% |
| Net interest margin | 4.44% (p89 of band) | 3.55% |
| Efficiency ratio | 98.93% (p90 of band) | |
| Noncurrent loans | 2.60% (p72 of band) | 1.19% |
| Net charge-offs (annualized) | 0.22% (p81 of band) | |
| Reserve coverage of noncurrent | 56.65% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 182.02% (p99 of band) | |
| Auto loans | $84,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2013-03 | 6 | capital falling |  |

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

- 2026-08-06 [Kembralyn Redman Promoted to Community Engagement Officer at First Community Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMihAFBVV95cUxNOXhFdkg3WFZyZHBWOGl0SzhNRldvMHVpMGZDV0VKRnlSQU9ib2FXbDlfcHl6V0xVZnFSLXNURE1mNE81bGRNcS1PSVJZbC1GVV9MdGJtUnhvamJmdXRvS1FObUJBTE01LVNaVFNVY0ZLcWVCVlhEV2lkTUdSUlhhdWpUNWE?oc=5) · Arkansas Money &amp; Politics
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-14 [First Community Bank announces new VP serving SWMO - The McDonald County Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVGdoc1ZTRXNmT0pFZXQ1S01HSHBDSTVtdHZvMzFZaFh0VmZ1X3JndTVaRlluSjdQT05TeUozWFJDUmFqNE1sbmo1SG5pOEZGVkhJUUlOeDlTZDM0Wi1Rek9lTjBzNUNUMmhDYnJ3d0w3eFc4b0xha0RWaUFsWlJJUUMyYXhLX19ITmgxUGppU0RMS2dUYnpMbzZ5OA?oc=5) · The McDonald County Press
- 2026-02-09 [Hayden Partee Promoted to Consumer Lender at First Community Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMid0FVX3lxTE5PMm9paVc2R3llS1lLT0F2ZlhJNnBmd2xfY0ZKWFBDN3kzdjNEdlRsOVlNQ3BwY0JsQlVZbElWdVRIeDJxcnctQnB6eHFhVEEwN2lHcFNYcnVQQzRqSWxrdEpVZlI5X3QyQWl5YmJxSFJUQk9jdGIw?oc=5) · Arkansas Money &amp; Politics
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 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
- 2017-11-07 [Too many First Community Banks, CEO said, only one Poppy Bank - The Press Democrat](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQzdXelFFcjV4Z0NQVXdaMXhFcVkwWVNSeTRtTUNvZmt4OF9wTjcyN1RJdHA1TTg4TWppY0dIR0xkU2loV2hhWlRob0hsYXBTSHhIUXJ5NDE3b3BQMlloUWVEM3JvTjZBdW42QnJ6NzNmZzYtVWJoXzVCUmdaTmowek5MNXFKOXp6OEZWZHJwdWpELVpLTE5yVVo1QTBSSWhXZjYyVWlOaERLclNOU3F0azNBVTdmaW01ODNEZHpyNA?oc=5) · The Press Democrat
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35090 (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/18.json (key "35090", 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