Batesville, AR · Cert 34533 · First Community Bancshares Inc.
State charter, non-member · FDIC · 34 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
51
Profitability
69
Liquidity
1
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Batesville, AR · Cert 34533 · First Community Bancshares Inc.
State charter, non-member · FDIC · 34 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 9.9% share · #2 of 25 inst. · $0.5B of $4.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.00% | 1.14% | 1.16% | 1.04% | 1.09% | 1.19% | 1.32% | +16 bps | |
| Return on Equity | 12.93% | 13.15% | 15.10% | 15.43% | 13.74% | 14.38% | 15.33% | 16.94% | +150 bps | |
| Net Interest Margin | 3.20% | 3.20% | 3.59% | 3.56% | 3.53% | 3.55% | 3.75% | 3.86% | +30 bps | |
| Efficiency Ratio | 65.85% | 65.32% | 61.47% | 61.61% | 62.56% | 61.22% | 57.14% | 56.23% | -538 bps | |
| Non-Interest Burden | 1.83% | 1.79% | 1.90% | 1.86% | 1.90% | 1.86% | 1.80% | 1.78% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.66% | 7.63% | 10.07% | 15.06% | 13.35% | 15.32% | 13.18% | 11.68% | -338 bps | |
| Loan Growth (YoY) | 9.38% | 12.18% | 11.97% | 13.08% | 13.46% | 11.72% | 12.24% | 12.40% | -68 bps | |
| Deposit Growth (YoY) | 10.91% | 12.89% | 12.84% | 16.10% | 16.07% | 14.37% | 14.15% | 9.42% | -668 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.76% | 0.32% | 0.24% | 1.12% | 0.32% | 0.33% | 0.31% | +8 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.10% | 0.54% | 0.39% | 0.36% | 0.36% | 0.20% | 0.14% | -25 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.84% | 0.82% | 0.88% | 0.89% | 0.95% | 1.00% | +18 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 2.6x | 3.5x | 0.8x | 2.7x | 2.9x | 3.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.96% | 8.98% | 8.92% | 8.91% | 8.81% | 8.85% | 8.78% | 9.04% | +13 bps | |
| Total Risk-Based Capital | 11.27% | 11.27% | 11.25% | 11.19% | 11.09% | 11.28% | 11.34% | 11.59% | +40 bps | |
| Equity / Assets | 7.76% | 7.62% | 7.52% | 7.42% | 7.66% | 7.77% | 7.71% | 7.84% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.04% | 102.73% | 101.07% | 100.06% | 100.72% | 100.34% | 99.38% | 102.79% | +273 bps | |
| Liquid Assets / Assets | 2.09% | 0.74% | 3.14% | 4.34% | 3.13% | 3.31% | 3.56% | 3.77% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 466% | 457% | 448% | n/a | n/a | |
Batesville, AR · Cert 34533 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Community Bancshares Inc.
State charter, non-member · FDIC · 34 branches
Q2 2026
Return on Assets
1.28%
Rank 84 of 176
Net Interest Margin
3.86%
Rank 52 of 176
Efficiency Ratio
56.23%
Rank 67 of 176
Equity / Assets
7.84%
Rank 162 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.93% | 1.26% | 1.54% | Beats 52% | 84 / 176 | ||
| Return on Equity | 16.28% | 9.26% | 11.89% | 14.46% | Beats 86% | 24 / 176 | ||
| Net Interest Margin | 3.86% | 3.25% | 3.59% | 3.93% | Beats 70% | 52 / 176 | ||
| Efficiency Ratio | 56.23% | 52.79% | 59.55% | 67.66% | Beats 62% | 67 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.30% | 0.64% | 1.32% | Beats 73% | 48 / 176 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 28% | 127 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.61% | 11.15% | 12.72% | 14.15% | Beats 17% | 146 / 176 | ||
| Total Risk-Based Capital Ratio | 11.59% | 11.81% | 13.63% | 15.33% | Beats 21% | 139 / 176 | ||
| Equity / Assets | 7.84% | 9.16% | 10.35% | 11.80% | Beats 8% | 162 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.79% | 80.94% | 89.73% | 97.21% | 89th pctl | 19 / 176 | ||
| Loans / Assets | 81.16% | 69.25% | 75.12% | 80.82% | 78th pctl | 39 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||