Auburn, KY · Cert 284 · First Community Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 0.3% share · #16 of 19 inst. · $0.0B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.39% | 1.23% | 1.28% | 1.30% | -9 bps | |
| Return on Equity | 20.10% | 19.71% | 17.36% | 17.49% | 18.10% | -201 bps | |
| Net Interest Margin | 3.86% | 3.93% | 3.81% | 3.87% | 3.85% | -1 bps | |
| Efficiency Ratio | 58.63% | 58.43% | 59.63% | 61.12% | 59.47% | +83 bps | |
| Non-Interest Burden | 2.09% | 2.12% | 2.12% | 2.20% | 2.12% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | 3.28% | 10.05% | 10.82% | 17.46% | +1,646 bps | |
| Loan Growth (YoY) | 1.24% | 3.96% | 8.02% | 8.42% | 17.21% | +1,596 bps | |
| Deposit Growth (YoY) | 4.72% | 5.09% | 14.12% | 14.75% | 19.54% | +1,483 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.46% | 0.40% | 0.31% | 0.65% | +49 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | -0.01% | 0.02% | -2 bps | |
| Allowance / Loans | 0.72% | 0.73% | 0.77% | 0.77% | 0.76% | +4 bps | |
| Allowance Coverage of NPLs | 4.8x | 1.6x | 1.9x | 2.5x | 1.2x | -3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.53% | 8.76% | 8.58% | 8.52% | 8.26% | -27 bps | |
| Total Risk-Based Capital | 12.43% | 12.39% | 12.44% | 12.37% | 11.80% | -63 bps | |
| Equity / Assets | 7.12% | 7.39% | 7.26% | 7.35% | 6.93% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.69% | 87.67% | 84.06% | 83.75% | 84.01% | -167 bps | |
| Liquid Assets / Assets | 0.11% | 0.15% | 0.13% | 0.11% | 0.14% | +3 bps | |
| CRE / Total Capital | n/a | 196.86% | 204% | 196.34% | n/a | n/a | |