Anamosa, IA · Cert 10125 · First Cmty Bancshares Corp.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.3% share · #16 of 35 inst. · $0.1B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.80% | 0.72% | 0.75% | 0.89% | +18 bps | |
| Return on Equity | 10.35% | 11.29% | 9.84% | 10.03% | 11.90% | +155 bps | |
| Net Interest Margin | 2.57% | 2.76% | 2.82% | 2.83% | 2.85% | +28 bps | |
| Efficiency Ratio | 67.11% | 63.54% | 65.91% | 65.72% | 62.15% | -497 bps | |
| Non-Interest Burden | 1.66% | 1.68% | 1.80% | 1.80% | 1.70% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.03% | 3.41% | -0.66% | 3.23% | 6.89% | +385 bps | |
| Loan Growth (YoY) | 11.97% | 19.14% | 11.31% | 10.17% | 5.89% | -607 bps | |
| Deposit Growth (YoY) | 2.92% | 2.72% | -2.69% | 2.26% | 6.44% | +352 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.05% | 1.00% | 0.99% | 1.02% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.83% | 9.59% | 9.66% | 9.50% | -11 bps | |
| Total Risk-Based Capital | 18.68% | 17.03% | 17.86% | 18.12% | 18.36% | -32 bps | |
| Equity / Assets | 7.29% | 6.91% | 7.72% | 7.21% | 7.79% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.08% | 43.96% | 49.55% | 44.19% | 45.84% | -24 bps | |
| Liquid Assets / Assets | 32.17% | 34.72% | 31.51% | 36.12% | 29.77% | -240 bps | |
| CRE / Total Capital | n/a | 65.88% | 68.08% | 62.38% | n/a | n/a | |