First Community Bank
Corpus Christi, TX · Cert 24353 · Peer group: banks under $1B in assets in TX (n=208-211) · Coastal Bend Bancshares Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
$662.8MAssets
$456.0MLoans
$582.2MDeposits
$75.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in TX (rank 42 of 211).
- Widest gap: efficiency ratio trails 76% of banks under $1B in assets in TX (rank 162 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.94%
Rank 151 of 211
Net Interest Margin
4.44%
Rank 42 of 211
Efficiency Ratio
74.49%
Rank 162 of 211
Equity / Assets
11.42%
Rank 97 of 211
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 24% 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 | 0.94% | 0.87% | 1.20% | 1.65% | Beats 28% | 151 / 211 | |
| Return on Equity | 8.27% | 7.52% | 11.67% | 14.58% | Beats 30% | 147 / 211 | |
| Net Interest Margin | 4.44% | 3.28% | 3.82% | 4.31% | Beats 80% | 42 / 211 | |
| Efficiency Ratio | 74.49% | 53.01% | 64.18% | 73.65% | Beats 24% | 162 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.01% | 0.30% | 1.10% | Beats 35% | 136 / 208 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 35% | 137 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.63% | 11.72% | 14.45% | 19.57% | Beats 71% | 62 / 211 | |
| Total Risk-Based Capital Ratio | 18.89% | 11.94% | 14.78% | 20.30% | Beats 72% | 59 / 211 | |
| Equity / Assets | 11.42% | 9.41% | 11.06% | 12.94% | Beats 54% | 97 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 78.32% | 45.39% | 66.56% | 82.03% | 70th pctl | 62 / 208 | |
| Loans / Assets | 68.79% | 39.13% | 56.90% | 70.46% | 73rd pctl | 58 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |