PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community

Chesterfield, MO · Charter 67619

NCUA · 42 branches

Q2 2026

$5.0BAssets
$3.3BLoans
$4.5BShares
$434.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, up 27 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.54% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.62%, up 62 bps from a year ago.
  • Funding: loans stand at 74.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.95%+27 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+21 bps YoY

Efficiency Ratio (quarter, annualized)

65.88%-388 bps YoY

Net Worth / Assets

8.62%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.74%0.77%0.84%0.95%+27 bps
Return on Equity8.43%8.90%9.10%9.93%10.98%+255 bps
Net Interest Margin2.48%2.58%2.59%2.63%2.69%+21 bps
Efficiency Ratio69.76%68.59%68.27%67.46%65.88%-388 bps
Growth
Asset Growth (YoY)10.75%6.91%7.06%5.42%4.24%-650 bps
Loan Growth (YoY)6.13%5.41%5.06%2.80%2.40%-373 bps
Share Growth (YoY)12.64%10.90%10.03%8.49%7.01%-563 bps
Asset Quality
Delinquent Loans / Loans0.47%0.45%0.52%0.46%0.54%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.00%8.36%8.48%8.43%8.62%+62 bps
Net Worth / Assets8.00%8.36%8.48%8.43%8.62%+62 bps
Liquidity & Funding
Loans / Shares77.52%77.48%76.40%73.77%74.18%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps