First Community Bank
Newell, IA · Cert 14904 · Peer group: banks under $1B in assets in IA (n=134-135) · Newell Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$115.7MAssets
$76.2MLoans
$97.8MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets in IA (rank 30 of 135).
- Widest gap: efficiency ratio trails 81% of banks under $1B in assets in IA (rank 111 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.16%
Rank 72 of 135
Net Interest Margin
3.78%
Rank 30 of 135
Efficiency Ratio
67.22%
Rank 111 of 135
Equity / Assets
12.13%
Rank 49 of 135
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 19% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.92% | 1.19% | 1.47% | Beats 47% | 72 / 135 | |
| Return on Equity | 9.59% | 7.99% | 10.26% | 13.14% | Beats 41% | 79 / 135 | |
| Net Interest Margin | 3.78% | 2.95% | 3.41% | 3.73% | Beats 78% | 30 / 135 | |
| Efficiency Ratio | 67.22% | 50.61% | 57.35% | 63.29% | Beats 19% | 111 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.03% | 0.51% | 1.26% | Beats 24% | 103 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 43% | 77 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 12.86% | 11.23% | 13.31% | 15.45% | Beats 43% | 77 / 135 | |
| Total Risk-Based Capital Ratio | 14.06% | 11.61% | 14.06% | 16.47% | Beats 50% | 67 / 135 | |
| Equity / Assets | 12.13% | 9.87% | 11.05% | 13.07% | Beats 64% | 49 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 77.96% | 68.54% | 81.55% | 91.24% | 43rd pctl | 76 / 134 | |
| Loans / Assets | 65.84% | 57.61% | 68.06% | 76.23% | 46th pctl | 73 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |