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.
Loan-to-deposit ratio dropped 1.15 percentage points in Q2 2026, from 95.87% to 94.72%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First Community Bank is 8th of 72 on return on assets, 1.92% as of Q2 2026, above the middle of the field. First Community Bank's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 13.15% |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 19.62% |
| Net interest margin | 5.42% |
| Efficiency ratio | 64.99% |
| Yield on earning assets | 6.25% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.72% |
| Core deposits to total deposits | 96.50% |
| Brokered deposits to total deposits | 0.57% |
| Deposits to assets | 86.64% |
| Securities to assets | 9.29% |
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 | 11.60% | 11.60% | 12.75% | 8.94% | 1.54% |
| Q4 2023 | 12.16% | 12.16% | 13.35% | 9.12% | 1.85% |
| Q1 2024 | 12.17% | 12.17% | 13.37% | 9.13% | 1.09% |
| Q2 2024 | 12.37% | 12.37% | 13.60% | 9.54% | 1.93% |
| Q3 2024 | 12.44% | 12.44% | 13.67% | 9.67% | 2.04% |
| Q4 2024 | 12.26% | 12.26% | 13.51% | 9.87% | 2.02% |
| Q1 2025 | 12.58% | 12.58% | 13.81% | 10.22% | 1.64% |
| Q2 2025 | 12.34% | 12.34% | 13.54% | 10.11% | 1.67% |
| Q3 2025 | 12.28% | 12.28% | 13.47% | 9.89% | 1.94% |
| Q4 2025 | 12.20% | 12.20% | 13.39% | 10.11% | 2.16% |
| Q1 2026 | 11.85% | 11.85% | 13.03% | 9.95% | 1.88% |
| Q2 2026 | 11.96% | 11.96% | 13.15% | 9.93% | 1.92% |
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 13179) · FFIEC NIC profile (RSSD 932745)