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 Batesville, AR 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 | 1.46% | 1.34% | +0.12% | 63rd above |
| ROAE | 18.59% | 12.40% | +6.19% | 85th top |
| Net Interest Margin | 4.25% | 3.83% | +0.42% | 81st top |
| Efficiency Ratio | 55.13% | 57.84% | -2.71% | 59th above |
| PPNR / Avg Assets | 2.23% | — | — | 78th top |
| Yield on Earning Assets | 6.84% | 5.71% | +1.13% | 94th top |
| Cost of Funds | 2.71% | 2.02% | +0.69% | 14th bottom |
| Net Interest Spread | 3.79% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 1.00% | -0.57% | 63rd above |
| NPA / Total Assets | 1.43% | — | — | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 30th below |
| ACL / Total Loans | 1.00% | — | — | 30th below |
| ACL / NPLs (Coverage) | 230.44% | — | — | 60th above |
| Texas Ratio | 15.47% | 5.47% | +10.00% | 6th bottom |
| Provision / NCO | 325.75% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.61% | 14.99% | -4.38% | 5th bottom |
| Tier 1 Ratio | 10.61% | 15.02% | -4.41% | 5th bottom |
| Total Capital Ratio | 11.59% | — | — | 5th bottom |
| Leverage Ratio | 9.04% | 11.11% | -2.07% | 12th bottom |
| Equity / Assets | 7.84% | 11.02% | -3.18% | 6th bottom |
| TCE / Tangible Assets | 7.83% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.79% | 86.99% | +15.80% | 11th bottom |
| Core Deposit Ratio | 78.25% | 85.57% | -7.32% | 18th bottom |
| Uninsured Deposit Ratio | 29.53% | 33.19% | -3.66% | 55th above |
| Wholesale Funding Ratio | 12.72% | — | — | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.68% | — | — | 80th top |
| Loan Growth (Y/Y) | 12.40% | — | — | 79th top |
| Deposit Growth (Y/Y) | 9.42% | — | — | 72nd above |
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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Community Bank peer analysis.