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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.36% | 1.28% | 1.50% | 1.38% | 0.79% | 1.28% | 1.33% | -17 bps | |
| Return on Equity | 23.43% | 20.62% | 18.79% | 21.24% | 19.08% | 10.83% | 17.49% | 18.65% | -259 bps | |
| Net Interest Margin | 3.91% | 3.85% | 3.83% | 3.97% | 4.04% | 4.03% | 3.87% | 3.97% | 0 bps | |
| Efficiency Ratio | 56.70% | 59.18% | 60.72% | 56.67% | 58.06% | 63.03% | 61.12% | 57.90% | +123 bps | |
| Non-Interest Burden | 2.02% | 2.11% | 2.17% | 2.06% | 2.15% | 2.42% | 2.20% | 2.12% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.16% | 5.00% | 4.03% | 0.99% | 3.28% | 10.05% | 10.82% | 17.46% | +1,646 bps | |
| Loan Growth (YoY) | 12.68% | 11.77% | 7.39% | 1.24% | 3.96% | 8.02% | 8.42% | 17.21% | +1,596 bps | |
| Deposit Growth (YoY) | 11.20% | 5.66% | 3.22% | 4.72% | 5.09% | 14.12% | 14.75% | 19.54% | +1,483 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.08% | 0.15% | 0.15% | 0.46% | 0.40% | 0.31% | 0.65% | +49 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.15% | 0.07% | 0.01% | 0.05% | 0.04% | -0.01% | 0.06% | +5 bps | |
| Allowance / Loans | 0.75% | 0.72% | 0.71% | 0.72% | 0.73% | 0.77% | 0.77% | 0.76% | +4 bps | |
| Allowance Coverage of NPLs | 2.2x | 8.6x | 4.8x | 4.8x | 1.6x | 1.9x | 2.5x | 1.2x | -3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.11% | 8.49% | 8.68% | 8.53% | 8.76% | 8.58% | 8.52% | 8.26% | -27 bps | |
| Total Risk-Based Capital | 10.63% | 12.18% | 12.56% | 12.43% | 12.39% | 12.44% | 12.37% | 11.80% | -63 bps | |
| Equity / Assets | 6.65% | 6.59% | 7.01% | 7.12% | 7.39% | 7.26% | 7.35% | 6.93% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.63% | 88.80% | 88.65% | 85.69% | 87.67% | 84.06% | 83.75% | 84.01% | -167 bps | |
| Liquid Assets / Assets | 0.13% | 1.48% | 0.07% | 0.11% | 0.15% | 0.13% | 0.11% | 0.14% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.86% | 204% | 196.34% | n/a | n/a | |