Bank call report · Harbor Springs, MI
First Community Bank Call Report
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First Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 286 reported line items, schedule by schedule (777 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 932745 |
| FDIC certificate number | 13179 |
| Total assets | $413.6M |
Official Q2 2026 call report PDF (FFIEC) →
First Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · First Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $413.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $413.6M |
| Total Liabilities and Minority Interest | RCON2948 | $373.3M |
| Total Deposits | RCON2200 | $358.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $339.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $335.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $213.6M |
| Deposits: Noninterest-bearing | RCON6631 | $144.7M |
| Total Equity Capital | RCON3210 | $40.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $40.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $38.4M |
| Surplus | RCON3839 | $20.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $19.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $16.2M |
| Other Borrowed Money | RCON3190 | $12.8M |
| Other Assets | RCON2160 | $10.1M |
| Interest-bearing Balances | RCON0071 | $7.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.9M |
| Other Liabilities, Total | RCON2930 | $2.2M |
| Common Stock | RCON3230 | $1.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$710K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $22K |
Schedule RI: Income Statement (38 items)
About Schedule RI · First Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.2M |
| Net Interest Income | RIAD4074 | $10.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.6M |
| Total Noninterest Expense | RIAD4093 | $7.2M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.9M |
| Net Income (Loss) | RIAD4340 | $3.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Total Interest Expense | RIAD4073 | $1.5M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Total Noninterest Income | RIAD4079 | $798K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $709K |
| Other Noninterest Income | RIADB497 | $387K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $376K |
| Other Interest Expense | RIADGW44 | $301K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $242K |
| Interest on Other Securities | RIAD4060 | $219K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $208K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $164K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $151K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $111K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $97K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $96K |
| Other Interest Income | RIAD4518 | $76K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $60K |
| Provision for Loan and Lease Losses | RIAD4230 | $60K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $60K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $54K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $27K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $26K |
| Noninterest income: Income from insurance activities | RIADHT74 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 69 |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · First Community Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $39.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $22.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $21.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $14.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $12.4M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.2M |
| Pledged Securities | RCON0416 | $12.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $11.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $6.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $498K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · First Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $339.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $113.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $94.4M |
| Pledged Loans and Leases | RCONG378 | $83.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $83.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $77.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $67.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $63.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $45.5M |
| Commercial and Industrial Loans | RCON1766 | $37.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $34.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $34.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $22.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $15.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $11.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $10.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $8.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $5.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $5.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $878K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $689K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $580K |
| Real Estate Loans Secured by Farmland | RCON1420 | $148K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $58K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $74.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $18.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $11.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $148K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 178 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 131 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 86 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 70 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 65 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 34 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · First Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $234.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $223.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $144.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $123.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $115.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $80.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $17.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $12.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $10.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $10.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $10.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $8.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $7.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $6.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $2.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $2.0M |
| Total Brokered Deposits | RCON2365 | $2.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.9M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.2M |
| Total reciprocal deposits | RCONJH83 | $1.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $794K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $79K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $6.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.2M |
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Other Assets | RCON2168 | $377K |
| Prepaid Expenses | RCON2166 | $360K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.0M |
| All Other Liabilities | RCON2938 | $917K |
| Operating lease liabilities | RCONLB56 | $917K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $150K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $95K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · First Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $412.7M |
| Quarterly Average of Total Loans | RCON3360 | $339.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $235.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $95.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $90.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $63.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $36.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $27.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $21.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $15.1M |
| All Other Securities | RCONB560 | $13.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $10.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.7M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · First Community Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $26.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $15.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $15.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.2M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $494K |
| Performance Standby Letters of Credit | RCON3821 | $290K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · First Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $10.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $2.8M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $2.8M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $882K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · First Community Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $415K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $395K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $20K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $412.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $358.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $193.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $162.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $40.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,805 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 258 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 72 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · First Community Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $342.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · First Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $412.7M |
| Average total consolidated assets | RCOAKW03 | $412.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $342.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $45.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $41.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $41.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $41.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $40.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $22.0M |
| Retained Earnings | RCOAKW00 | $19.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$710K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$710K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1315 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1196 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1196 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0993 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0515 |
Schedule RC-R, Part II: Risk-Weighted Assets (53 items)
About Schedule RC-R, Part II · First Community Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $342.7M |
| Total Risk-weighted Assets | RCONG641 | $342.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $309.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $309.8M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $306.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $253.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $252.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $85.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $55.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $55.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $54.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $54.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $38.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $34.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $34.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $30.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $27.5M |
| Total All Other Assets | RCOND981 | $26.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $23.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $22.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $22.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $22.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $17.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $13.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $9.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $5.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $4.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $2.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $2.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $1.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $825K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$711K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $685K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $685K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $682K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $682K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $494K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $494K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $327K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $327K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $290K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $250K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $244K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $169K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $145K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $81K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $64K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $3K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $40.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $40.8M |
| Total Equity Capital | RIAD3210 | $40.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.0M |
| Other Comprehensive Income | RIADB511 | -$393K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · First Community Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $11K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $11K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $11K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $10K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · First Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $11K |
First Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Community Bank call report?
The First Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Community Bank file?
First Community Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Community Bank has Federal Reserve RSSD ID 932745 and FDIC certificate number 13179. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 13179) · FFIEC NIC profile (RSSD 932745)