First Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.58 percentage points in Q2 2026, from 73.38% to 77.96%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Community Bank is 92nd of 225 on return on assets, 1.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Community Bank sits 0.26 points higher, at 1.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 14.06% |
| Tier 1 leverage ratio | 9.40% |
| Equity capital to assets | 12.13% |
| Tangible equity to tangible assets | 9.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.88% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 100.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 12.77% |
| Net interest margin | 4.01% |
| Efficiency ratio | 62.82% |
| Yield on earning assets | 5.30% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.96% |
| Core deposits to total deposits | 89.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.46% |
| Securities to assets | 20.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.37% | 13.37% | 14.14% | 9.02% | 0.89% |
| Q4 2023 | 12.71% | 12.71% | 13.47% | 8.88% | 0.76% |
| Q1 2024 | 12.34% | 12.34% | 13.07% | 8.66% | 0.89% |
| Q2 2024 | 12.80% | 12.80% | 13.60% | 8.93% | 0.87% |
| Q3 2024 | 13.04% | 13.04% | 13.89% | 9.14% | 1.00% |
| Q4 2024 | 12.57% | 12.57% | 13.58% | 8.88% | 0.61% |
| Q1 2025 | 12.86% | 12.86% | 13.90% | 8.95% | 1.23% |
| Q2 2025 | 12.91% | 12.91% | 13.95% | 9.16% | 1.17% |
| Q3 2025 | 12.95% | 12.95% | 14.03% | 9.42% | 1.27% |
| Q4 2025 | 12.31% | 12.31% | 13.48% | 9.29% | 0.94% |
| Q1 2026 | 12.55% | 12.55% | 13.74% | 9.24% | 1.40% |
| Q2 2026 | 12.86% | 12.86% | 14.06% | 9.40% | 1.51% |
First Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14904) · FFIEC NIC profile (RSSD 233246)