First Community Bank (Milton, WI)
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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 Milton, WI, established in 1911 (FDIC certificate 11225), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $158.9M, up 2.9% from Q2 2025, the 125th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11225
- Headquarters
- Milton, WI
- Established
- 1911
- Total assets, Q2 2026
- $158.9M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 10.38%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075907413
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank call report
- Holding company
- FIRST COMMUNITY BANCSHARES CORP.
- Asset rank in state
- 125th of 153 in Wisconsin
First Community Bank is one of the more profitable banks of its size. Based in Milton, Wisconsin, it had $159 million in assets at June 30, 2026, up 2.9% from a year earlier. It returns 18.8% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew its loan book 12.6% over the year, 2.3 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 12.6% and deposits rose 2.2%. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.34% of loans, against 0.06% a year earlier.
As of June 30, 2026, First Community Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.53%. The figures come from its call report filed with the FFIEC.
First Community Bank ranks as the 125th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $158.9M, loans rose 0.4% and deposits fell 3.0%. 1-4 family residential loans made up 40.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 13.4%. The FDIC Summary of Deposits lists a single office for it, in Milton, WI. By the capital ratios in its Q2 2026 call report, First Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 Merchant Row, Milton, WI 53563
- County
- Rock
- Metro Area
- Janesville-Beloit, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $141.8M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $163.7M
- Average total loans
- $123.9M
- Average interest-bearing deposits
- $113.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11225
- Fed RSSD
- 742542
- Website
- www.fcbmilton.com →
- Parent Holding Company
- FIRST COMMUNITY BANCSHARES CORP. (RSSD 1990096)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Community Bank's total assets moved between a low of $137.2M (Q3 2023) and a high of $162.7M (Q1 2026) from Q3 2023 to Q2 2026, 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
$158.9M total assets against $154.5M; $143.8M total liabilities against $141.2M.
$122.6M net loans and leases against $108.8M; $141.8M total deposits against $138.7M.
$26.9M securities against $31.4M; $5.6M cash and balances due against $10.5M.
$2.2M total interest income against $2.0M; $647K total interest expense against $667K.
$1.5M net interest income against $1.3M.
$261K total noninterest income against $272K; $1.1M total noninterest expense against $899K.
$24K provision for credit losses against $16K.
$705K net income against $652K.
1.72% return on assets against 1.68%; 3.84% net interest margin against 3.36%.
10.38% tier 1 leverage ratio against 10.28%.
Inside the full First Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Community Bank rankings
Its closest position to the top of a national ranking is 866 of 3,611, for ROA; its furthest is 3,227 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q4 2024) to 1.86% (Q4 2025) and its net interest margin ran from 2.90% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 1.72% | 0.34% | 2.53% | 3.84% |
| Q1 2026 | 10.21% | 1.83% | 0.39% | 2.93% | 3.78% |
| Q4 2025 | 10.33% | 1.86% | 0.06% | 0.42% | 3.78% |
| Q3 2025 | 10.19% | 1.82% | 0.06% | 0.44% | 3.60% |
| Q2 2025 | 10.28% | 1.68% | 0.06% | 0.49% | 3.36% |
| Q1 2025 | 9.96% | 1.52% | 0.07% | 0.51% | 3.28% |
| Q4 2024 | 10.15% | 1.23% | 0.07% | 0.55% | 3.19% |
| Q3 2024 | 10.14% | 1.44% | 0.07% | 0.54% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First Community Bank (main office) | Milton , WI | 53563 | $141.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 139 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 97 loans originated, $23.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $118K approved, $118K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 $158.9 million in its FFIEC call report.
Where is First Community Bank headquartered?
It is headquartered in Milton, WI, United States.
When was First Community Bank founded?
It was established in 1911, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11225). 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.
How many branches does First Community Bank operate?
It operates 1 domestic office, 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 2.53% 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.
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