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.
The standout move of Q2 2026 was in Return on assets: 1.10 percentage points higher than in Q1 2026, at 2.55%. Within Virginia, First Community Bank is 7th of 56 on return on assets, 2.55% as of Q2 2026. First Community Bank's return on assets of 2.55% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.28 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.32% |
| Tier 1 risk-based capital ratio | 15.32% |
| Total risk-based capital ratio | 16.58% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 14.15% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 4.52% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 148.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.55% |
| Return on equity | 18.34% |
| Net interest margin | 4.33% |
| Efficiency ratio | 45.90% |
| Yield on earning assets | 4.93% |
| Cost of funds | 0.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.94% |
| Core deposits to total deposits | 99.39% |
| Brokered deposits to total deposits | 0.02% |
| Deposits to assets | 84.24% |
| Securities to assets | 6.63% |
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 | 12.90% | 12.90% | 14.15% | 9.89% | 1.77% |
| Q4 2023 | 12.97% | 12.97% | 14.22% | 10.07% | 1.44% |
| Q1 2024 | 13.24% | 13.24% | 14.50% | 10.24% | 1.61% |
| Q2 2024 | 13.52% | 13.52% | 14.77% | 10.23% | 1.56% |
| Q3 2024 | 13.76% | 13.76% | 15.02% | 10.24% | 1.59% |
| Q4 2024 | 13.89% | 13.89% | 15.15% | 10.32% | 1.59% |
| Q1 2025 | 14.03% | 14.03% | 15.28% | 10.37% | 1.52% |
| Q2 2025 | 14.29% | 14.29% | 15.54% | 10.37% | 1.59% |
| Q3 2025 | 14.35% | 14.35% | 15.60% | 10.43% | 1.55% |
| Q4 2025 | 14.46% | 14.46% | 15.71% | 10.38% | 1.56% |
| Q1 2026 | 14.73% | 14.73% | 15.99% | 10.26% | 1.45% |
| Q2 2026 | 15.32% | 15.32% | 16.58% | 10.23% | 2.55% |
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 13012) · FFIEC NIC profile (RSSD 2353595)