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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.80% | 1.25% | 1.19% | 1.45% | +27 bps | |
| Return on Equity | 15.77% | 10.60% | 16.17% | 15.33% | 18.59% | +282 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.93% | 3.75% | 4.01% | +36 bps | |
| Efficiency Ratio | 61.73% | 64.35% | 57.70% | 57.14% | 55.41% | -632 bps | |
| Non-Interest Burden | 1.89% | 2.11% | 1.89% | 1.80% | 1.79% | -11 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 / Loans | 0.24% | 1.12% | 0.32% | 0.33% | 0.31% | +8 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.33% | 0.39% | 0.20% | 0.08% | -17 bps | |
| Allowance / Loans | 0.82% | 0.88% | 0.89% | 0.95% | 1.00% | +18 bps | |
| Allowance Coverage of NPLs | 3.5x | 0.8x | 2.7x | 2.9x | 3.2x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.91% | 8.81% | 8.85% | 8.78% | 9.04% | +13 bps | |
| Total Risk-Based Capital | 11.19% | 11.09% | 11.28% | 11.34% | 11.59% | +40 bps | |
| Equity / Assets | 7.42% | 7.66% | 7.77% | 7.71% | 7.84% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.06% | 100.72% | 100.34% | 99.38% | 102.79% | +273 bps | |
| Liquid Assets / Assets | 4.34% | 3.13% | 3.31% | 3.56% | 3.77% | -57 bps | |
| CRE / Total Capital | n/a | 466% | 457% | 448% | n/a | n/a | |