# FIRST COMMUNITY BANK
LESTER PRAIRIE, MN · FDIC certificate 8535 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $90.0M | |
| Deposits | $79.1M | |
| Loans and leases | $39.1M | |
| Total equity | $10.6M | |
| Loans / deposits | 49.12% (p18 of band) | 73.21% |
| Liquid assets / assets | 51.87% (p81 of band) | |
| Uninsured deposits / deposits | 16.02% (p37 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.99% (p12 of band) | 11.56% |
| Unrealized securities loss / equity | 2.71% (p99 of band) | -6.10% |
| AOCI / equity | 2.72% (p41 of band) | |
| ROA (annualized) | 0.34% (p15 of band) | 1.04% |
| Net interest margin | 1.71% (p2 of band) | 3.83% |
| Efficiency ratio | 54.53% (p16 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 6.25% (p31 of band) | |
| Auto loans | $288,000 (0.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $540,000 (5% of equity) (p98 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | reserve under noncurrent |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | reserve under noncurrent |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 0 |  | securities losses >30% of equity, assets shrinking |
| 2024-12 | 2 | securities losses >30% of equity, assets shrinking |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 2 | losing money, NIM <2.5% |  |
| 2025-12 | 1 |  | losing money |

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

- 2026-03-19 [First Community Bank names Kayla Dunemn assistant vice president - White River Now](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOenV4UEJvVjg3U0FnUnpSeldXQTZRaXprSExlc1JMZ203aUNEUEJOQmZ4aF9fci0weXQ5WFl1ai12LTFnMjI3QXlPTjhHVUVxQmpzSElULWstWENDdGtCU0ZrN05BZWE1WjhQamwxbmRLS3NIeHdPZ3pIZVZRcGpYOWJfNlpTT01tVVVYTmlPbHktaXluUmxnZWMySHhXUkVncENZbWFNcFJ6UQ?oc=5) · White River Now
- 2026-07-27 [First Community Bank’s Howard House Golf Tournament Returns - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMic0FVX3lxTE03bDhTVDVveDJMaHZxeFpKOV9fZUxYd0lTRmlNVVZUVVFFZERRT2o0Nldwd2xya0VuakhRTEVJcE1SR3VxLXRLbFpRVXdHSTFqeXBGOWxXbnJpMkFENmF3VUloZjNtTE43Z1VldUV2RjdDRVU?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
- 2025-09-01 [New Roles at Cobb-Vantress, First Community Bank & Central States (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMVFNNzl6cDVkeTRsczg1Mnpkcy1jUE0xek1aeFJvSkt0dVpNaGFORllwaHhlSGhiTWZGLXczR1BHLWhJMjYwazJrOG51aEVPcFNmRE8zelJVeXpseTVRSmtGSXFxclM5V0dBYTNfWWJwY2JMQmk5UEg3TXpwVF90NG1talJLUFNKaGMyUDA2R1gxUkVJcU1lX05Ja0p1MEJuV3diN2Zpc0pZdw?oc=5) · Arkansas Business
- 2025-07-14 [Sandy Springs-based Signature Bank of Georgia sells for $41.6 million - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOa0NURlZvWnJRaDYzNElIOXZ2UW5WbzVUZWozUnBZWVNZQ09aVXlwamZjZG5QcndFSFh2SzBiVTZmdjFJOTR3aFJ3cDRRbkNqOHUtQ3ZCVEhOcnFpY0hkX1R5dDh5QndvOUdMWk1ZenY5SHdtWURwX0ZnM0dKZldpSkNwTjhsYVJmQ2RYb2ptUlc2c1lNUXlMZkpjUE1fSmM?oc=5) · The Business Journals
- 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
- 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=8535 (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/23.json (key "8535", 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