FIRST COMMUNITY BANK

NEWELL, IA | Small | Est. Jan. 1, 1912, midnight | FDIC #14904 | RSSD #233246 | FDIC
Latest Report: 2025-12-31

FIRST COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in NEWELL, IA, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $99M. Profitability stands at 0.95% ROA and 7.97% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 12.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.29% and a Texas Ratio of 6.74%. FDIC Certificate #14904.

Assets

$117M

Deposits

$99M

Loans

$78M

Equity

$14M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 7.97%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.43%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 1.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 6.74%
NPA Ratio 0.86%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 12.31%
Tier 1 Capital 12.31%
Total Capital Ratio 13.48%
Leverage Ratio 9.29%
Loan-to-Deposit 78.73%

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