First Community Bank
Total assets
$3.63B
▲ +11.7% YoY
Deposits
$2.87B
▲ +9.4% YoY
Loans
$2.92B
▲ +12.2% YoY
Offices
35
FIRST COMMUNITY BANCSHARES INC
ROA (annualized)
1.32%
peers 1.26%
ROE (annualized)
16.94%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +5.5% | +6.2 pts |
| Deposit growth (YoY) | +9.4% | +5.1% | +4.4 pts |
| Loan growth (YoY) | +12.2% | +5.9% | +6.3 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 16.9% | 12.2% | +4.8 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST COMMUNITY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1325 Harrison St, Batesville, AR, 72501
- County
- Independence
- Metro area
- Batesville, AR
- Offices
- 35
- FDIC cert #
- 34533
- RSSD ID
- 2596646
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.63B | $2.87B | $2.92B | $284.6M | $23.2M | 1.32% | 4.14% | 1.34% |
| Q1 2026 | $3.50B | $2.86B | $2.82B | $269.9M | $10.3M | 1.19% | 4.04% | 1.40% |
| Q4 2025 | $3.42B | $2.77B | $2.76B | $266.1M | $35.1M | 1.09% | 3.99% | 1.40% |
| Q3 2025 | $3.31B | $2.70B | $2.69B | $253.6M | $24.6M | 1.04% | 3.91% | 1.49% |
| Q2 2025 | $3.25B | $2.62B | $2.60B | $241.2M | $18.0M | 1.16% | 3.87% | 0.77% |
| Q1 2025 | $3.09B | $2.51B | $2.51B | $232.6M | $8.7M | 1.14% | 3.86% | 0.67% |
| Q4 2024 | $2.97B | $2.42B | $2.47B | $226.2M | $28.6M | 1.00% | 3.56% | 0.70% |
| Q3 2024 | $2.92B | $2.32B | $2.37B | $226.4M | $20.8M | 0.98% | 3.49% | 0.69% |
Loan mix (Q2 2026): real estate $2.21B · commercial $460.1M · consumer $227.6M · securities $336.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.70% | 75th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 59.0% | 41th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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