FIRST COMMUNITY BANK
FIRST COMMUNITY BANK is an FDIC-insured commercial bank headquartered in MILTON, WI, established in 1911. As of , the bank reported total assets of $159M and total deposits of $143M. Profitability stands at 1.88% ROA and 20.63% ROE, with a net interest margin of 3.75%. CET1 capital ratio: 9.16%. NPL ratio: 0.06% · Texas Ratio: 0.42%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.16% | 1.88% | 0.06% | 0.42% | 3.75% |
| 2025-09-30 | 9.11% | 1.86% | 0.06% | 0.44% | 3.59% |
| 2025-06-30 | 8.62% | 1.68% | 0.06% | 0.49% | 3.34% |
| 2025-03-31 | 8.30% | 1.55% | 0.07% | 0.51% | 3.26% |
| 2024-12-31 | 7.99% | 1.24% | 0.07% | 0.55% | 3.16% |
| 2024-09-30 | 8.62% | 1.47% | 0.67% | 4.94% | 2.87% |
| 2024-06-30 | 7.91% | 1.48% | 0.69% | 5.45% | 3.05% |
| 2024-03-31 | 13.97% | 1.49% | 0.71% | 5.61% | 3.02% |
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Frequently asked about FIRST COMMUNITY BANK
What are First Community Bank's total assets?
As of the Q4 2025 filing, First Community Bank reported total assets of $159.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank headquartered?
First Community Bank is headquartered in MILTON, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank founded?
First Community Bank was established in 1911, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. First Community Bank is an FDIC-insured commercial bank (FDIC Certificate #11225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank?
First Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank's CET1 capital ratio?
First Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.16% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First Community Bank operate?
First Community Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Community Bank's Texas Ratio?
First Community Bank's Texas Ratio is 0.42% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.