First Community Trust, National Association
Dubuque, IA · Cert 57179 · Peer group: banks under $1B in assets in IA (n=135)
FDIC
Q2 2026
$13.8MAssets
$0KLoans
$0KDeposits
$12.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets in IA (rank 1 of 135).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets in IA (rank 131 of 135).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
4.31%
Rank 1 of 135
Net Interest Margin
2.36%
Rank 128 of 135
Efficiency Ratio
90.58%
Rank 131 of 135
Equity / Assets
93.29%
Rank 1 of 135
Non-interest income vs. expense
Favorable gap of $0.5M · efficiency ratio beats 4% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.31% | 0.92% | 1.19% | 1.47% | Beats 99% | 1 / 135 | |
| Return on Equity | 4.62% | 7.99% | 10.26% | 13.14% | Beats 8% | 124 / 135 | |
| Net Interest Margin | 2.36% | 2.95% | 3.41% | 3.73% | Beats 5% | 128 / 135 | |
| Efficiency Ratio | 90.58% | 50.61% | 57.35% | 63.29% | Beats 4% | 131 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 93.28% | 11.23% | 13.31% | 15.45% | Beats 99% | 1 / 135 | |
| Total Risk-Based Capital Ratio | 93.28% | 11.61% | 14.06% | 16.47% | Beats 99% | 1 / 135 | |
| Equity / Assets | 93.29% | 9.87% | 11.05% | 13.07% | Beats 99% | 1 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 57.61% | 68.06% | 76.23% | 0th pctl | 135 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |