First Community Trust, N.A.: 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.
The standout move of Q2 2026 was in Return on assets: 1.27 percentage points lower than in Q1 2026, at 3.79%. First Community Trust, N.A.'s return on assets of 3.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 2.81 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 93.28% |
| Equity capital to assets | 93.29% |
| Tangible equity to tangible assets | 93.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.79% |
| Return on equity | 4.02% |
| Net interest margin | 3.10% |
| Efficiency ratio | 92.02% |
| Yield on earning assets | 3.10% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 48.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin |
|---|---|---|---|
| Q3 2023 | 89.00% | 12.28% | 3.84% |
| Q4 2023 | 89.68% | 9.09% | 3.77% |
| Q1 2024 | 93.48% | 7.99% | 4.00% |
| Q2 2024 | 91.45% | 7.56% | 4.03% |
| Q3 2024 | 91.80% | 7.59% | 4.17% |
| Q4 2024 | 91.10% | 6.23% | 4.04% |
| Q1 2025 | 89.78% | 4.36% | 3.82% |
| Q2 2025 | 91.74% | 2.24% | 3.87% |
| Q3 2025 | 91.90% | 3.98% | 3.84% |
| Q4 2025 | 89.39% | 7.17% | 3.43% |
| Q1 2026 | 94.36% | 5.07% | 3.23% |
| Q2 2026 | 93.28% | 3.79% | 3.10% |
First Community Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Trust, N.A., 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 Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2973041)