First Community Bank (Batesville, AR)

First Community Bank operates with a thinner capital cushion than most banks of its size. Based in Batesville, Arkansas, it had $3.6 billion in assets at June 30, 2026, up 11.7% from a year earlier. It holds common equity equal to 10.61% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 4.3 times the median of 3.6% for banks its size. It has also been growing, with assets up 11.7% in a year.

Earnings jumped: net income for the quarter was $13 million, 38% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $45 million equal 14% of Tier 1 capital, down from 19% a year earlier. Funding is the softer spot: it pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).

As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 10.61%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 15.47%. The figures come from its call report filed with the FFIEC.