# FIRST COMMUNITY BANK
EMPORIA, KS · FDIC certificate 4723 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $46.0M | |
| Deposits | $41.7M | |
| Loans and leases | $22.2M | |
| Total equity | $4.2M | |
| Loans / deposits | 51.45% (p20 of band) | 69.17% |
| Liquid assets / assets | 49.56% (p77 of band) | |
| Uninsured deposits / deposits | 2.74% (p14 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.43% (p20 of band) | 10.02% |
| Unrealized securities loss / equity | 3.59% (p53 of band) | 3.21% |
| AOCI / equity | 1.03% (p82 of band) | |
| ROA (annualized) | 0.31% (p22 of band) | 0.78% |
| Net interest margin | 2.99% (p14 of band) | 3.76% |
| Efficiency ratio | 86.36% (p77 of band) | |
| Noncurrent loans | 1.80% (p59 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 198.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 21.90% (p59 of band) | |
| Auto loans | $392,000 (1.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | assets shrinking |

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

- 2026-07-02 [First Community Bank names Ashley Davis assistant vice president in Batesville - White River Now](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZmZOaDZjeUxWZ0lyOHN2R3dPN2FEbG9iQVRTMkxyR2N2MkhRS0NSMmR1UEtyZ3dJXzhOS2hvc25CSTI2ZnpITDQ1WFdQc2lCX1JkUTFPQXo0RHhhTnZvY1pjMDdGMUtqeHgtbDFYeGFsZVZzVmhWc0ZtWkNySDN6amNKaWxzTmpVUnY5dmZCSDZVcUp5b0ZQY3BkWkJLSUM5djVPR2t4dmpLT0NkLUpuWHNTNjVwWXJVSHNGNg?oc=5) · White River Now
- 2026-07-14 [$700M bank to acquire Central Alabama bank branch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxONWEwMXU1aDlwcWo3OVRKUElZd19tLUYxdjdjcnlaTUU5aGNySmprMWxBMXRVdl84UFpxTTdjdXp3RS1tOTZudTRCdFc0eGtTcWdJZExnVmxNWVJ5dUFwWXU1Um9yRjNhM0VvUVdsbGhHTU9XREYxUnVpaWdXc2VRbVctdzBMRTBTUEt2cGo0dFROUEQt?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2026-07-01 [Coca-Cola, Shadrachs Coffee to Serve Guests at First Community Bank Sportsplex - NEA Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWEFORVVPUnVKTHFKX0w1Xzg2SDRYSk9Pd2g4OURpc0phWnhGd1RHb0N2TjZFR2R2R1drUFFLUERNUE1lRHVXU2JtTXZuY3FVcUEwbmpSZUFBdXJVbXRXRGFNTXJJZUZHbkJiNV80aDh6S3MzY1d6eTRNMmlnRWlmTjNBWWF1cWJhOGJDa2d1czdSY0U4dHFDOWlDWllpZ0ZEaTFZeWtVRi00cU1saW1TUQ?oc=5) · NEA Report
- 2026-01-29 [Katherine Harris Named SVP for First Community Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMid0FVX3lxTE5rLXBuODFiR2lDejU3SzlTODNoVm4ydXR4ZENwRDlpT1VDV2w1NFh0NWhvRi1PQ2JfYURZOUdEajFCYlg1dVVzM2VodXp1WGE1U2dkVHJqOUlFaGNKaEUwSEdSR0MtalRpcVU5NW85empxcGRUVWFR?oc=5) · Arkansas Money &amp; Politics
- 2026-01-29 [First Community Bank names Katherine Harris Senior VP of Retail Sales Strategy - White River Now](https://news.google.com/rss/articles/CBMivAFBVV95cUxOOXY3eWFVWlZPejZ0VzZsRmFDVzc2V2FZY0pSRkNRY05aLU52bHBpUnBHenpTbjNZNEdKbEFhY2t6SXJGZnFoQmllZWxMVkJpTFF5NHhOQjE2dTRJNUlPSFJOWWI2TlZ1OTQ4VHkyc3lqSVpCNE96STNyZFdpcVROOFV6QlhUUnpRUEs2bUNnczVRUnlsYmplNlB4R2ttZndGb2NveXJtUFU1d1hud0hnQ3BoNzFBX01iVkZhOA?oc=5) · White River Now
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4723 (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/51.json (key "4723", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide