First Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Bluefield, VA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.55% | 1.34% | +1.21% | 96th top |
| ROAE | 18.34% | 12.40% | +5.94% | 84th top |
| Net Interest Margin | 4.33% | 3.83% | +0.50% | 83rd top |
| Efficiency Ratio | 45.90% | 57.84% | -11.94% | 85th top |
| PPNR / Avg Assets | 3.34% | — | — | 97th top |
| Yield on Earning Assets | 4.93% | 5.71% | -0.78% | 17th bottom |
| Cost of Funds | 0.56% | 2.02% | -1.46% | 99th top |
| Net Interest Spread | 4.01% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 1.00% | -0.11% | 37th below |
| NPA / Total Assets | 0.61% | — | — | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.21% | 0.43% | -0.22% | 17th bottom |
| ACL / Total Loans | 1.33% | — | — | 73rd above |
| ACL / NPLs (Coverage) | 148.54% | — | — | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.88% | 7.40% | -1.52% | 42nd below |
| Provision / NCO | 35.01% | — | — | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.32% | 14.99% | +0.33% | 73rd above |
| Tier 1 Ratio | 15.32% | 15.02% | +0.30% | 72nd above |
| Total Capital Ratio | 16.58% | — | — | 73rd above |
| Leverage Ratio | 10.23% | 11.11% | -0.88% | 43rd below |
| Equity / Assets | 14.15% | 11.02% | +3.13% | 90th top |
| TCE / Tangible Assets | 10.07% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.94% | 86.99% | -6.05% | 67th above |
| Core Deposit Ratio | 99.39% | 85.57% | +13.82% | 98th top |
| Uninsured Deposit Ratio | 21.28% | 33.19% | -11.91% | 81st top |
| Wholesale Funding Ratio | 0.08% | — | — | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.01% | — | — | 85th top |
| Loan Growth (Y/Y) | 4.52% | — | — | 42nd below |
| Deposit Growth (Y/Y) | 14.30% | — | — | 84th top |
See First Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Community Bank profile, how to read a UBPR, or how this data updates.