| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +4.4% | +16.6 pts |
| Deposit growth (YoY) | +24.1% | +4.0% | +20.1 pts |
| Loan growth (YoY) | +26.4% | +5.6% | +20.8 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 10.1% | 11.9% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.3M | $300.2M | $254.6M | $33.6M | $1.7M | 0.99% | 3.68% | 0.30% |
| Q1 2026 | $335.4M | $300.5M | $242.7M | $32.9M | $781K | 0.93% | 3.61% | 0.14% |
| Q4 2025 | $336.8M | $296.2M | $251.3M | $32.5M | $2.7M | 0.94% | 3.54% | 0.16% |
| Q3 2025 | $288.0M | $260.2M | $214.9M | $25.8M | $1.8M | 0.86% | 3.57% | 0.08% |
| Q2 2025 | $283.0M | $241.9M | $201.5M | $25.2M | $1.1M | 0.81% | 3.50% | 0.00% |
| Q1 2025 | $275.0M | $238.3M | $196.7M | $23.6M | $463K | 0.69% | 3.40% | 0.00% |
| Q4 2024 | $264.9M | $233.8M | $188.5M | $23.1M | $1.7M | 0.66% | 3.28% | 0.01% |
| Q3 2024 | $261.5M | $236.3M | $175.6M | $23.1M | $1.1M | 0.60% | 3.27% | 0.00% |
Loan mix (Q2 2026): real estate $92.9M · commercial $19.6M · consumer $3.0M · securities $35.6M
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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% |
| 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% |
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2024) · $241.9M branch deposits. Biggest market: Cuming, NE, ranked 2nd with 21.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuming, NE | 2 | $169.9M | 21.38% | 2nd |
| Dodge, NE | 1 | $43.8M | 2.36% | 9th |
| Dakota, NE | 1 | $28.2M | 7.17% | 5th |
Nebraska: 75th with 0.25% · Sioux City metro: 26th, 0.57% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4
First Community Bank is in an open deal as the acquirer: First Community Bank to acquire First Bank of Bancroft (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Nov 6, 2025 | Acquirer | First Bank of Bancroft | Merger | Approved | Federal Reserve |