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First Community Bank

Corpus Christi, TX · Cert 24353 · Coastal Bend Bancshares Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$662.8MAssets
$456.0MLoans
$582.2MDeposits
$75.7MEquity
Loan mix
89%RE $410.2M9%C&I $42.1M2%Consumer $9.4MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $338.9M42%Noninterest $243.3MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.88%Q2 ’255.70%Q2 ’26+19%-1%

Non-interest income vs. expense

3.51%Q2 ’243.64%Q2 ’253.88%Q2 ’26+9%-1%

Market Position · Corpus Christi, TX · 2026 SOD (annual) · 4.1% share · #6 of 16 inst. · $0.3B of $8.1B

3.6% Nueces
28.3% Jim Wells
10.7% Kleberg
10.4% Aransas

Executive Summary

  • Earnings: ROA of 1.21%, up 2 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.67% of loans (+12 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.44%, up 91 bps from a year ago.
  • Funding: loans stand at 78.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.21%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.46%-6 bps YoY

Efficiency Ratio (quarter, annualized)

71.26%+160 bps YoY

Tier 1 Leverage Ratio

12.44%+91 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.06%0.72%0.68%1.21%+2 bps
Return on Equity12.06%10.25%6.66%6.17%10.86%-120 bps
Net Interest Margin4.52%4.44%4.43%4.42%4.46%-6 bps
Efficiency Ratio69.66%72.61%80.85%77.97%71.26%+160 bps
Non-Interest Burden2.94%3.04%3.45%3.31%2.90%-4 bps
Growth
Asset Growth (YoY)0.77%-1.03%-0.02%-1.22%-0.99%-177 bps
Loan Growth (YoY)-0.59%1.45%-2.91%-3.20%-2.75%-216 bps
Deposit Growth (YoY)3.81%-2.11%-1.58%-2.62%-2.59%-640 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.56%0.48%0.55%0.67%+12 bps
Net Charge-Offs / Loans0.06%0.01%0.11%-0.01%-0.01%-7 bps
Allowance / Loans1.65%1.71%1.69%1.74%1.78%+13 bps
Allowance Coverage of NPLs3.0x3.1x3.5x3.1x2.7x-0.3x
Capital
Tier 1 Leverage Ratio11.53%11.60%11.84%12.14%12.44%+91 bps
Total Risk-Based Capital17.63%18.01%18.47%18.38%18.89%+126 bps
Equity / Assets10.06%10.55%11.09%10.91%11.42%+136 bps
Liquidity & Funding
Loans / Deposits78.45%77.42%78.13%79.30%78.32%-13 bps
Liquid Assets / Assets5.89%6.23%5.11%5.48%6.64%+75 bps
CRE / Total Capitaln/a334%321%338%n/an/a