First Community Bank (Beemer, NE)
BankRegReports is independent of First Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Community Bank is an FDIC-insured commercial bank headquartered in Beemer, NE, established in 1903 (FDIC certificate 5384), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $342.3M, up 21.0% from Q2 2025, the 59th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.15% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5384
- Headquarters
- Beemer, NE
- Established
- 1903
- Total assets, Q2 2026
- $342.3M
- Assets vs Q2 2025
- +21.0%
- CET1 ratio, Q2 2026
- 11.15%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104904442
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank call report
- Holding company
- FIRST BEEMER CORPORATION
- Asset rank in state
- 59th of 138 in Nebraska
Problem loans are rising at First Community Bank. The Beemer, Nebraska bank had $342 million in assets at June 30, 2026, up 21.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.40% of loans from 0.00% a year earlier. It holds common equity equal to 11.15% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 26.1% over the year, 4.8 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $891,000, 37% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.66% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 11.15%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 3.09%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First Community Bank is the 59th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $342.3M, loans rose 4.9% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 54.1% of total loans, followed by 1-4 family residential loans at 13.6%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NE; its Beemer office books 44% of its branch deposits. On its Q2 2026 call report, First Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Main St, Beemer, NE 68716
- County
- Cuming
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 7, 1903
- Former names
- First National Bank (1995-2010)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $300.2M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $336.8M
- Average total loans
- $251.5M
- Average interest-bearing deposits
- $258.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5384
- Fed RSSD
- 993250
- Website
- www.firstbeemer.com →
- Parent Holding Company
- FIRST BEEMER CORPORATION (RSSD 1059733)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Community Bank's total assets moved between a low of $230.0M (Q3 2023) and a high of $342.3M (Q2 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
$342.3M total assets against $283.0M; $308.7M total liabilities against $257.9M.
$254.6M net loans and leases against $201.5M; $300.2M total deposits against $241.9M.
$35.6M securities against $33.4M; $27.7M cash and balances due against $26.4M.
$4.9M total interest income against $4.2M; $2.1M total interest expense against $1.9M.
$2.9M net interest income against $2.2M.
$377K total noninterest income against $340K; $2.0M total noninterest expense against $1.7M.
$60K provision for credit losses against $30K.
$891K net income against $650K.
1.06% return on assets against 0.95%; 3.81% net interest margin against 3.59%.
11.15% CET1 capital ratio against 10.98%; 9.05% tier 1 leverage ratio against 8.80%.
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 1,761 of 3,606, for efficiency ratio; its furthest is 1,925 of 2,134, for CET1 ratio.
Banks merged into First Community Bank
- First Bank of Bancroft, effective December 16, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q3 2024) to 1.12% (Q4 2025) and its net interest margin ran from 3.25% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.15% | 1.06% | 0.40% | 3.09% | 3.81% |
| Q1 2026 | 11.19% | 0.94% | 0.18% | 1.40% | 3.61% |
| Q4 2025 | 10.61% | 1.12% | 0.21% | 1.65% | 3.46% |
| Q3 2025 | 10.53% | 0.96% | 0.10% | 0.83% | 3.65% |
| Q2 2025 | 10.98% | 0.95% | 0.00% | 0.00% | 3.59% |
| Q1 2025 | 10.45% | 0.69% | 0.00% | 0.00% | 3.37% |
| Q4 2024 | 10.78% | 0.86% | 0.01% | 0.09% | 3.27% |
| Q3 2024 | 11.48% | 0.59% | 0.00% | 0.00% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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) | Beemer , NE | 68716 | $131.1M |
| Bancroft Branch | Bancroft , NE | 68004 | $81.6M |
| Fremont Elk Branch | Fremont , NE | 68025 | $58.9M |
| Homer Branch | Homer , NE | 68030 | $28.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 16, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 2025 | Structure Change | Acquired First Bank of Bancroft Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | Structure Change | Acquired American State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action September 9, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NE, rank 63 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First Community Bank with peers
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 $342.3 million in its FFIEC call report.
Where is First Community Bank headquartered?
It is headquartered in Beemer, NE, United States.
When was First Community Bank founded?
It was established in 1903, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5384). 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 Federal Reserve.
What is First Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.15% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Community Bank operate?
It operates 5 domestic offices, 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 3.09% 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.
What was First Community Bank previously called?
The charter now named First Community Bank has also operated as First National Bank (1995-2010), per FDIC structure-change records.
Go deeper on First Community Bank.
Get an email when First Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Community Bank, freeFree account