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.
Reserve coverage of non-performing loans dropped 46.52 percentage points in Q2 2026, from 313.48% to 266.96%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Community Bank is 165th of 345 on return on assets, 1.53% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Community Bank sits 0.28 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.63% |
| Tier 1 risk-based capital ratio | 17.63% |
| Total risk-based capital ratio | 18.89% |
| Tier 1 leverage ratio | 12.44% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.15% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 266.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 13.83% |
| Net interest margin | 4.83% |
| Efficiency ratio | 69.44% |
| Yield on earning assets | 6.13% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.32% |
| Core deposits to total deposits | 87.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.84% |
| Securities to assets | 23.79% |
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 | 13.87% | 13.87% | 15.12% | 10.17% | 1.09% |
| Q4 2023 | 14.07% | 14.07% | 15.33% | 10.16% | 0.94% |
| Q1 2024 | 14.38% | 14.38% | 15.64% | 10.33% | 0.73% |
| Q2 2024 | 15.13% | 15.13% | 16.39% | 10.59% | 1.09% |
| Q3 2024 | 15.98% | 15.98% | 17.23% | 10.91% | 1.18% |
| Q4 2024 | 15.67% | 15.67% | 16.92% | 11.11% | 1.36% |
| Q1 2025 | 15.86% | 15.86% | 17.11% | 11.17% | 1.30% |
| Q2 2025 | 16.37% | 16.37% | 17.63% | 11.53% | 1.50% |
| Q3 2025 | 16.75% | 16.75% | 18.01% | 11.60% | 1.31% |
| Q4 2025 | 17.21% | 17.21% | 18.47% | 11.84% | 0.89% |
| Q1 2026 | 17.12% | 17.12% | 18.38% | 12.14% | 0.86% |
| Q2 2026 | 17.63% | 17.63% | 18.89% | 12.44% | 1.53% |
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 24353) · FFIEC NIC profile (RSSD 339456)