FIRST COMMUNITY BANK

SAN BENITO, TX | Medium | Est. Oct. 1, 1979, midnight | FDIC #22964 | RSSD #334264 | FDIC
Latest Report: 2025-12-31

FIRST COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in SAN BENITO, TX, established in Oct. 1, 1979, midnight. As of 2025-12-31, the bank reported total assets of $779M and total deposits of $691M. Profitability stands at 1.90% ROA and 23.09% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 8.41%. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.41%. FDIC Certificate #22964.

Assets

$779M

Deposits

$691M

Loans

$473M

Equity

$66M

Profitability

Return on Assets (ROA) 1.90%
Return on Equity (ROE) 23.09%
Net Interest Margin (NIM) 4.63%
Yield on Assets 5.90%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.41%
NPA Ratio 0.04%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 8.41%
Tier 1 Capital 8.41%
Total Capital Ratio 8.83%
Leverage Ratio 10.13%
Loan-to-Deposit 68.48%

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