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First Community Bank

Batesville, AR · Cert 34533 · First Community Bancshares Inc.

State charter, non-member · FDIC · 34 branches

Q2 2026

$3.6BAssets
$2.9BLoans
$2.9BDeposits
$284.6MEquity
Loan mix
76%RE $2.1B17%C&I $0.5B7%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $2.4B15%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.88%Q2 ’246.16%Q2 ’256.31%Q2 ’26+14%+8%

Non-interest income vs. expense

2.63%Q2 ’242.72%Q2 ’252.67%Q2 ’26+3%-4%

Market Position · Jonesboro, AR · 2026 SOD (annual) · 9.9% share · #2 of 25 inst. · $0.5B of $4.7B

47.1% Independence
9.9% Craighead
19.0% White
12.2% Newton

Executive Summary

  • Earnings: ROA of 1.32%, up 16 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.31% of loans (+8 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.04%, up 13 bps from a year ago.
  • Funding: loans stand at 102.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+30 bps YoY

Efficiency Ratio (YTD, annualized)

56.23%-538 bps YoY

Tier 1 Leverage Ratio

9.04%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.04%1.09%1.19%1.32%+16 bps
Return on Equity15.43%13.74%14.38%15.33%16.94%+150 bps
Net Interest Margin3.56%3.53%3.55%3.75%3.86%+30 bps
Efficiency Ratio61.61%62.56%61.22%57.14%56.23%-538 bps
Non-Interest Burden1.86%1.90%1.86%1.80%1.78%-8 bps
Growth
Asset Growth (YoY)15.06%13.35%15.32%13.18%11.68%-338 bps
Loan Growth (YoY)13.08%13.46%11.72%12.24%12.40%-68 bps
Deposit Growth (YoY)16.10%16.07%14.37%14.15%9.42%-668 bps
Asset Quality
Nonperforming Loans / Loans0.24%1.12%0.32%0.33%0.31%+8 bps
Net Charge-Offs / Loans0.39%0.36%0.36%0.20%0.14%-25 bps
Allowance / Loans0.82%0.88%0.89%0.95%1.00%+18 bps
Allowance Coverage of NPLs3.5x0.8x2.7x2.9x3.2x-0.3x
Capital
Tier 1 Leverage Ratio8.91%8.81%8.85%8.78%9.04%+13 bps
Total Risk-Based Capital11.19%11.09%11.28%11.34%11.59%+40 bps
Equity / Assets7.42%7.66%7.77%7.71%7.84%+42 bps
Liquidity & Funding
Loans / Deposits100.06%100.72%100.34%99.38%102.79%+273 bps
Liquid Assets / Assets4.34%3.13%3.31%3.56%3.77%-57 bps
CRE / Total Capitaln/a466%457%448%n/an/a