First Community Bank (San Benito, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank is an FDIC-insured commercial bank headquartered in San Benito, TX, established in 1979 (FDIC certificate 22964), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $794.4M, up 4.3% from Q2 2025, the 111th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22964
- Headquarters
- San Benito, TX
- Established
- 1979
- Total assets, Q2 2026
- $794.4M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 10.36%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 114908289
- Holding company
- FIRST SAN BENITO BANCSHARES CORPORATION
- Asset rank in state
- 111th of 346 in Texas
First Community Bank is one of the more profitable banks of its size. It reported $794 million in assets at June 30, 2026, up 4.3% from a year earlier. It returns 21.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Net income for the quarter rose 24% from a year earlier, to $3.7 million. Over the same year, loans shrank 2.5% and deposits grew 4.4%.
As of June 30, 2026, First Community Bank reported a return on assets of 1.80%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.44%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Community Bank is the 111th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans fell 0.1% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 22.5% of total loans, ahead of commercial and industrial loans at 19.1%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in TX; its Harlingen 2 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1151 W Us Highway 77, San Benito, TX 78586
- County
- Cameron
- Metro Area
- Brownsville-Harlingen, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1979
- Former names
- First Community Bank, National Association (2002-2017)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $697.4M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $813.6M
- Average total loans
- $469.7M
- Average interest-bearing deposits
- $413.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 1, 1979
- FDIC Cert
- 22964
- Fed RSSD
- 334264
- Website
- www.fcbtx.com →
- Parent Holding Company
- FIRST SAN BENITO BANCSHARES CORPORATION (RSSD 1107009)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Community Bank's total assets moved between a low of $707.2M (Q3 2023) and a high of $794.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$794.4M total assets against $761.4M; $724.9M total liabilities against $705.2M.
$460.8M net loans and leases against $472.6M; $697.4M total deposits against $668.0M.
$214.9M securities against $204.0M; $85.3M cash and balances due against $50.0M.
$10.6M total interest income against $10.2M; $2.1M total interest expense against $2.4M.
$8.5M net interest income against $7.8M.
$1.3M total noninterest income against $1.2M; $5.3M total noninterest expense against $5.2M.
$0 provision for credit losses against $210K.
$3.7M net income against $3.0M.
1.80% return on assets against 1.54%; 4.25% net interest margin against 4.38%.
10.36% tier 1 leverage ratio against 9.91%.
Inside the full First Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Community Bank rankings
Its closest position to the top of a national ranking is 748 of 3,611, for ROA; its furthest is 2,999 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.46% (Q3 2024) to 1.88% (Q4 2025) and its net interest margin ran from 3.89% (Q3 2024) to 4.38% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.36% | 1.80% | 0.01% | 0.44% | 4.25% |
| Q1 2026 | 10.21% | 1.68% | 0.06% | 0.41% | 4.12% |
| Q4 2025 | 10.13% | 1.88% | 0.06% | 0.42% | 4.35% |
| Q3 2025 | 9.82% | 1.73% | 0.06% | 0.44% | 4.28% |
| Q2 2025 | 9.91% | 1.54% | 0.06% | 0.49% | 4.38% |
| Q1 2025 | 9.79% | 1.46% | 0.00% | 0.00% | 4.17% |
| Q4 2024 | 9.47% | 1.64% | 0.00% | 0.00% | 4.17% |
| Q3 2024 | 9.21% | 1.46% | 0.00% | 0.00% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Harlingen Banking Center Branch | Harlingen , TX | 78550 | $151.7M |
| First Community Bank (main office) | San Benito , TX | 78586 | $131.8M |
| First Community Bank Branch | Brownsville , TX | 78526 | $99.3M |
| Stuart Place Road Branch | Harlingen , TX | 78552 | $88.3M |
| Raymondville Branch | Raymondville , TX | 78580 | $81.3M |
| Edinburg Branch | Mcallen , TX | 78504 | $69.9M |
| South Padre Bank Branch | South Padre Island , TX | 78597 | $44.8M |
| Los Fresnos Banking Center Branch | Los Fresnos , TX | 78566 | $30.3M |
| Expressway Banking Center Branch | San Benito , TX | 78586 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 6, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2013 | Structure Change | Acquired South Padre Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 147 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 38 loans originated, $22.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Community Bank
What are First Community Bank's total assets?
As of the Q2 2026 filing, First Community Bank reported total assets of $794.4 million in its FFIEC call report.
Where is First Community Bank headquartered?
It is headquartered in San Benito, TX, United States.
When was First Community Bank founded?
It was established in 1979, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22964). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank?
First Community Bank's primary federal regulator is the FDIC.
How many branches does First Community Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank's Texas Ratio?
Its Texas Ratio is 0.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Community Bank previously called?
The charter now named First Community Bank has also operated as First Community Bank, National Association (2002-2017), per FDIC structure-change records.
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