First Community Bank (Corpus Christi, 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 Corpus Christi, TX, established in 1983 (FDIC certificate 24353), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $662.8M, down 1.0% from Q2 2025, the 129th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24353
- Headquarters
- Corpus Christi, TX
- Established
- 1983
- Total assets, Q2 2026
- $662.8M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 17.63%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 114911807
- Latest call report
- Q2 2026, FFIEC 041 · First Community Bank call report
- Holding company
- COASTAL BEND BANCSHARES, INC.
- Asset rank in state
- 129th of 346 in Texas
First Community Bank earns an unusually wide margin on its lending. The Corpus Christi, Texas bank had $663 million in assets at June 30, 2026. It keeps 4.83 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also lost 2.6% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.37% of loans, down from 0.55% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.9 million equal 8% of Tier 1 capital, down from 15% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 17.63%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Community Bank is the 129th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans fell 1.8% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.2% of total loans, ahead of 1-4 family residential loans at 25.2%. The FDIC Summary of Deposits lists 14 offices for it, in 8 cities in TX; its Corpus Christi 6 offices book 42% of its branch deposits. On its Q2 2026 call report, First Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 416 N Water St, Corpus Christi, TX 78401
- County
- Nueces
- Metro Area
- Corpus Christi, 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 041
- Established
- February 7, 1983
- Former names
- First Community Bank, National Association (1990-2002)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 167
- Domestic deposits
- $582.2M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- -$26K
- Average total assets
- $667.5M
- Average total loans
- $460.4M
- Average interest-bearing deposits
- $344.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 7, 1983
- FDIC Cert
- 24353
- Fed RSSD
- 339456
- Website
- www.fcbot.com →
- Parent Holding Company
- COASTAL BEND BANCSHARES, INC. (RSSD 2505929)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Community Bank's total assets ran between $661.7M (Q4 2025) and $679.6M (Q3 2024), 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
$662.8M total assets against $669.4M; $587.1M total liabilities against $602.1M.
$447.9M net loans and leases against $461.1M; $582.2M total deposits against $597.7M.
$157.7M securities against $143.9M; $28.2M cash and balances due against $35.1M.
$9.5M total interest income against $10.0M; $2.1M total interest expense against $2.3M.
$7.4M net interest income against $7.7M.
$1.6M total noninterest income against $1.2M; $6.5M total noninterest expense against $6.2M.
$50K provision for credit losses against $150K.
$2.6M net income against $2.5M.
1.53% return on assets against 1.50%; 4.83% net interest margin against 4.86%.
17.63% CET1 capital ratio against 16.37%; 12.44% tier 1 leverage ratio against 11.53%.
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 516 of 2,134, for CET1 ratio; its furthest is 2,700 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q1 2026) to 1.53% (Q2 2026) and its net interest margin ran from 4.42% (Q3 2024) to 4.86% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.63% | 1.53% | 0.67% | 2.15% | 4.83% |
| Q1 2026 | 17.12% | 0.86% | 0.55% | 2.27% | 4.79% |
| Q4 2025 | 17.21% | 0.89% | 0.48% | 3.03% | 4.79% |
| Q3 2025 | 16.75% | 1.31% | 0.56% | 3.35% | 4.78% |
| Q2 2025 | 16.37% | 1.50% | 0.55% | 3.53% | 4.86% |
| Q1 2025 | 15.86% | 1.30% | 0.63% | 4.14% | 4.60% |
| Q4 2024 | 15.67% | 1.36% | 0.38% | 2.82% | 4.72% |
| Q3 2024 | 15.98% | 1.18% | 0.37% | 2.62% | 4.42% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Alice Branch | Alice , TX | 78332 | $133.8M |
| Corpus Christi Branch | Corpus Christi , TX | 78411 | $96.7M |
| First Community Bank (main office) | Corpus Christi , TX | 78401 | $88.8M |
| Kingsville Branch | Kingsville , TX | 78363 | $61.9M |
| Rockport Branch | Rockport , TX | 78382 | $49.3M |
| Portland Branch | Portland , TX | 78374 | $44.0M |
| Tower Branch | Corpus Christi , TX | 78401 | $28.9M |
| Premont Branch | Premont , TX | 78375 | $25.7M |
| Victoria Branch | Victoria , TX | 77904 | $15.8M |
| South Padre Island Drive Branch | Corpus Christi , TX | 78418 | $15.5M |
| Alameda Branch | Corpus Christi , TX | 78412 | $12.6M |
| Pearland Branch Office | Pearland , TX | 77581 | $9.1M |
| Mobile Branch | Corpus Christi , TX | 78401 | $0 |
| Mobile Branch | Portland , TX | 78374 | $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 |
|---|---|---|---|
| May 5, 1990 | Structure Change | Acquired La Hacienda Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 4, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 170 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 227 applications, 179 loans originated, $51.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $5.7M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 $662.8 million in its FFIEC call report.
Where is First Community Bank headquartered?
It is headquartered in Corpus Christi, TX, United States.
When was First Community Bank founded?
It was established in 1983, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24353). 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.
What is First Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank operate?
It operates 14 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 2.15% 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 (1990-2002), per FDIC structure-change records.
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