# FIRST COMMUNITY BANK
BEEMER, NE · FDIC certificate 5384 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $342.3M | |
| Deposits | $300.2M | |
| Loans and leases | $258.0M | |
| Total equity | $33.6M | |
| Loans / deposits | 84.81% (p58 of band) | 82.04% |
| Liquid assets / assets | 18.50% (p27 of band) | |
| Uninsured deposits / deposits | 18.94% (p25 of band) | 25.97% |
| Brokered deposits | 7.59% | |
| Wholesale funding | 9.37% (p75 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 9.05% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -6.18% (p57 of band) | -8.10% |
| AOCI / equity | 0.20% (p87 of band) | |
| ROA (annualized) | 0.99% (p31 of band) | 1.28% |
| Net interest margin | 3.68% (p37 of band) | 3.91% |
| Efficiency ratio | 60.88% (p48 of band) | |
| Noncurrent loans | 0.40% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 325.66% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 17.09% (p22 of band) | |
| Auto loans | $1.7M (0.66% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 24.1% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 3 | capital falling | uninsured deposits leaving |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | capital falling | deposits shrinking |
| 2018-06 | 2 |  | brokered >10%, capital falling |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 0 |  | wholesale funding >15% |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | wholesale funding >15% |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | brokered >10% |

## 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
- 2026-06-29 [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
- 2026-06-25 [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
- 2026-04-09 [First Community Bank to acquire Port Lavaca bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcEJsTGg2WEZqQ0c0QjJBVHJLX21PTjNUNnVwM1hDcm9OSktnUHpXdXBxM3Flc3VsVl9LWGp5NGNtaktDdU9oNXRQN3BTZ3c5T1BKNGJNZ3k5cEZycTRJSnpMdzZoR1JDZko3TnRDb09WN0FYakpyTkNRc3BRUW95Y2d1bmx0cHRxNDB6bjVWUkFpS0MySUhONTY0YkJDdTVxUTNqS2dEU21LUUpwd2hSODR2WXhSUnd0ZVhwY1VQRVlIMENPVjYzUkY1UVBnZFB3aVNHV1QzWl9BZnNZ?oc=5) · SouthTexasNews.com
- 2026-08-19 [First Community Bank Utah Launches 2026 Back-to-School Initiative to Reward Academic Achievement and Build Financial Confidence - markets.businessinsider.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxObEZkU3BxZjdabmJSVEVCX0gtZTNRSW9fcGozN2tPNjdjOGdxanZjUkxLei15dkViM1JDNi13N0VLY1hldERjX09xdzd2WEJfcDJQVDB4Z25LcUdHZEhCZUVkYkl1QVJodkx1ckoxUlVOSHhLRGFOc3VVZGREemstejNxYTJuLTItbFBNYXk1NDJJYk1nVm5GOF9semQwWUhBbVVnenBrT3dldmpIQWR4bW1HUVFVNnF4Z2ZuWUZHNjByZVZpTkdUWUR1Q0doOW1FVnpqY0pKdEt4VllrZHdZMHFablI0bk5zZ3c5a09JUkk3RlVOYUpieTZsUlVSbGtsQldHbHF2LU9scDhjWkd0RmhhcFo?oc=5) · markets.businessinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5384 (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/8.json (key "5384", 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