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 Reserve coverage of non-performing loans: 28.49 percentage points higher than in Q1 2026, at 318.19%. First Community Bank ranks 33rd of 78 Arkansas banks on return on assets, in the upper half at 1.46% (Q2 2026). First Community Bank reported 1.46% on return on assets for Q2 2026, 0.19 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.61% |
| Tier 1 risk-based capital ratio | 10.61% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 9.04% |
| Equity capital to assets | 7.84% |
| Tangible equity to tangible assets | 7.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 1.34% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 15.47% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 318.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 18.59% |
| Net interest margin | 4.25% |
| Efficiency ratio | 55.13% |
| Yield on earning assets | 6.84% |
| Cost of funds | 2.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.79% |
| Core deposits to total deposits | 78.25% |
| Brokered deposits to total deposits | 8.30% |
| Deposits to assets | 78.96% |
| Securities to assets | 9.27% |
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 | 9.78% | 9.78% | 10.62% | 8.57% | 0.84% |
| Q4 2023 | 10.43% | 10.43% | 11.29% | 9.01% | 0.91% |
| Q1 2024 | 10.41% | 10.41% | 11.28% | 8.76% | 0.84% |
| Q2 2024 | 10.47% | 10.47% | 11.36% | 8.97% | 0.98% |
| Q3 2024 | 10.38% | 10.38% | 11.27% | 8.96% | 1.11% |
| Q4 2024 | 10.38% | 10.38% | 11.27% | 8.98% | 1.04% |
| Q1 2025 | 10.44% | 10.44% | 11.25% | 8.92% | 1.14% |
| Q2 2025 | 10.40% | 10.40% | 11.19% | 8.91% | 1.18% |
| Q3 2025 | 10.24% | 10.24% | 11.09% | 8.81% | 0.80% |
| Q4 2025 | 10.41% | 10.41% | 11.28% | 8.85% | 1.25% |
| Q1 2026 | 10.41% | 10.41% | 11.34% | 8.78% | 1.18% |
| Q2 2026 | 10.61% | 10.61% | 11.59% | 9.04% | 1.46% |
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 34533) · FFIEC NIC profile (RSSD 2596646)