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 San Benito, TX against its peer group of 2757 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 | 1.80% | 1.25% | +0.55% | 78th top |
| ROAE | 21.30% | 12.22% | +9.08% | 90th top |
| Net Interest Margin | 4.25% | 3.95% | +0.30% | 67th above |
| Efficiency Ratio | 53.40% | 63.71% | -10.31% | 73rd above |
| PPNR / Avg Assets | 2.21% | — | — | 80th top |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 1.16% | 1.87% | -0.71% | 86th top |
| Net Interest Spread | 3.35% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.88% | -0.87% | 87th top |
| NPA / Total Assets | 0.04% | — | — | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.29% | — | — | 61st above |
| ACL / NPLs (Coverage) | 23111.54% | — | — | — |
| Texas Ratio | 0.44% | 5.96% | -5.52% | 78th top |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.36% | 11.75% | -1.39% | 38th below |
| Equity / Assets | 8.75% | 10.98% | -2.23% | 23rd bottom |
| TCE / Tangible Assets | 8.69% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.93% | 80.44% | -13.51% | 75th top |
| Core Deposit Ratio | 85.55% | 86.95% | -1.40% | 33rd below |
| Wholesale Funding Ratio | 2.65% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.33% | — | — | 49th below |
| Loan Growth (Y/Y) | -2.47% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 4.40% | — | — | 52nd above |
See First Community Bank's peers by name
The 2757 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.