First Community Bank
San Benito, TX · Cert 22964 · Peer group: banks under $1B in assets in TX (n=208-211) · First San Benito Bancshares
State charter, non-member · FDIC · 9 branches
Q2 2026
$794.4MAssets
$466.8MLoans
$697.4MDeposits
$69.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets in TX (rank 14 of 211).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in TX (rank 190 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.77%
Rank 36 of 211
Net Interest Margin
4.10%
Rank 75 of 211
Efficiency Ratio
55.21%
Rank 63 of 211
Equity / Assets
8.75%
Rank 181 of 211
Non-interest income vs. expense
Unfavorable gap of $16.2M · efficiency ratio beats 71% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.87% | 1.20% | 1.65% | Beats 83% | 36 / 211 | |
| Return on Equity | 20.25% | 7.52% | 11.67% | 14.58% | Beats 93% | 14 / 211 | |
| Net Interest Margin | 4.10% | 3.28% | 3.82% | 4.31% | Beats 64% | 75 / 211 | |
| Efficiency Ratio | 55.21% | 53.01% | 64.18% | 73.65% | Beats 71% | 63 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 78% | 47 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 47% | 111 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.36% | 11.72% | 14.45% | 19.57% | Beats 11% | 187 / 211 | |
| Total Risk-Based Capital Ratio | 10.36% | 11.94% | 14.78% | 20.30% | Beats 10% | 190 / 211 | |
| Equity / Assets | 8.75% | 9.41% | 11.06% | 12.94% | Beats 14% | 181 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 66.93% | 45.39% | 66.56% | 82.03% | 51st pctl | 102 / 208 | |
| Loans / Assets | 58.76% | 39.13% | 56.90% | 70.46% | 53rd pctl | 99 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |