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.
Deposits to assets fell 0.62 percentage points from Q1 2026 to Q2 2026, ending at 87.80% against 88.41%. It was the largest change among the key lines on this page. First Community Bank ranks 97th of 345 Texas banks on return on assets, in the upper half at 1.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Community Bank sits 0.55 points higher, at 1.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 8.75% |
| Tangible equity to tangible assets | 8.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.44% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 21.30% |
| Net interest margin | 4.25% |
| Efficiency ratio | 53.40% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.93% |
| Core deposits to total deposits | 85.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.80% |
| Securities to assets | 27.05% |
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 | 14.23% | 14.23% | 15.39% | 9.31% | 1.48% |
| Q4 2023 | 13.28% | 13.28% | 14.35% | 9.67% | 1.41% |
| Q1 2024 | 12.83% | 12.83% | 13.90% | 9.41% | 1.48% |
| Q2 2024 | 12.85% | 12.85% | 13.92% | 9.23% | 1.28% |
| Q3 2024 | 13.16% | 13.16% | 14.25% | 9.21% | 1.46% |
| Q4 2024 | 13.67% | 13.67% | 14.76% | 9.47% | 1.64% |
| Q1 2025 | — | — | — | 9.79% | 1.46% |
| Q2 2025 | — | — | — | 9.91% | 1.54% |
| Q3 2025 | — | — | — | 9.82% | 1.73% |
| Q4 2025 | — | — | — | 10.13% | 1.88% |
| Q1 2026 | — | — | — | 10.21% | 1.68% |
| Q2 2026 | — | — | — | 10.36% | 1.80% |
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 22964) · FFIEC NIC profile (RSSD 334264)