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 Corpus Christi, 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 | 1.53% | 1.25% | +0.28% | 64th above |
| ROAE | 13.83% | 13.17% | +0.66% | 58th above |
| Net Interest Margin | 4.83% | 3.95% | +0.88% | 89th top |
| Efficiency Ratio | 69.44% | 61.50% | +7.94% | 28th below |
| PPNR / Avg Assets | 1.56% | — | — | 48th below |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 1.40% | 1.87% | -0.47% | 75th top |
| Net Interest Spread | 3.71% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.93% | -0.26% | 38th below |
| NPA / Total Assets | 0.48% | — | — | 39th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 89th top |
| ACL / Total Loans | 1.78% | — | — | 90th top |
| ACL / NPLs (Coverage) | 266.96% | — | — | 56th above |
| Texas Ratio | 2.15% | 6.06% | -3.91% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.63% | 17.18% | +0.45% | 67th above |
| Tier 1 Ratio | 17.63% | 17.21% | +0.42% | 67th above |
| Total Capital Ratio | 18.89% | — | — | 67th above |
| Leverage Ratio | 12.44% | 11.75% | +0.69% | 69th above |
| Equity / Assets | 11.42% | 10.98% | +0.44% | 65th above |
| TCE / Tangible Assets | 11.42% | — | — | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.32% | 80.44% | -2.12% | 55th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.43% | 86.95% | +0.48% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.99% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -2.75% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | -2.59% | — | — | 11th bottom |
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.