| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.7M | $97.8M | $75.2M | $14.0M | $865K | 1.47% | 3.98% | 0.87% |
| Q1 2026 | $121.0M | $103.2M | $74.7M | $14.0M | $418K | 1.41% | 3.84% | 0.83% |
| Q4 2025 | $116.9M | $98.8M | $76.7M | $13.9M | $1.4M | 1.17% | 3.76% | 0.86% |
| Q3 2025 | $114.4M | $96.6M | $73.6M | $13.8M | $1.1M | 1.24% | 3.71% | 1.11% |
| Q2 2025 | $115.8M | $98.3M | $72.4M | $13.5M | $712K | 1.22% | 3.62% | 0.87% |
| Q1 2025 | $117.6M | $100.6M | $68.3M | $13.1M | $367K | 1.25% | 3.45% | 0.86% |
| Q4 2024 | $117.0M | $99.4M | $71.2M | $12.7M | $996K | 0.85% | 3.35% | 0.86% |
| Q3 2024 | $115.5M | $97.6M | $70.3M | $12.9M | $815K | 0.92% | 3.32% | 0.87% |
Loan mix (Q2 2026): real estate $63.9M · commercial $3.3M · consumer $3.2M · securities $23.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 62.9% | 57th |
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 |
|---|---|---|---|---|
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% |
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