First Community Bank
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
$3.6BAssets
$2.9BLoans
$2.9BDeposits
$284.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks $1B-$10B in assets operating regionally (rank 24 of 176).
- Widest gap: equity / assets trails 92% of banks $1B-$10B in assets operating regionally (rank 162 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $62.7M · efficiency ratio beats 62% of banks $1B-$10B in assets operating regionally | 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 |