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Data through Q3 2026 · 4,200 institutions
Regulatory profile
San Benito, TX · FDIC certificate #22964
FIRST COMMUNITY BANK is an FDIC-insured institution based in San Benito, TX (FDIC certificate #22964). In its Q3 2026 Call Report it reported total assets of $818M, total deposits of $722M and net loans of $462M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $818M in Q3 2026 and were lowest at $794M in Q1 2026.
Total deposits were highest at $722M in Q3 2026 and lowest at $697M in Q2 2026.
Over the whole period total assets rose 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $818M | $722M | $462M | 1.79% | 21.16% | 4.53% |
| Q2 2026 | $794M | $697M | $461M | 1.78% | 20.69% | 4.49% |
| Q1 2026 | $794M | $702M | $461M | 1.71% | 20.05% | 4.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $85.3M | $90.7M | -$5.4M | -6.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $214.9M | $210.0M | +$4.9M | +2.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $460.8M | $461.4M | -$594K | -0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.3M | $11.3M | +$10K | +0.1% |
| Other real estate owned | $303K | $0K | +$303K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $471K | $471K | $0K | 0.0% |
| All other assets | $21.4M | $20.2M | +$1.2M | +5.7% |
| Total assets | $794.4M | $794.0M | +$367K | +0.0% |
| Liabilities | ||||
| Total deposits | $697.4M | $702.0M | -$4.6M | -0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $21.1M | $18.0M | +$3.0M | +16.9% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.4M | $5.8M | +$567K | +9.7% |
| Total liabilities | $724.9M | $725.9M | -$967K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $625K | $625K | $0K | 0.0% |
| Surplus | $16.5M | $16.5M | $0K | 0.0% |
| Retained earnings | $67.7M | $65.5M | +$2.2M | +3.3% |
| Accumulated other comprehensive income | -$15.3M | -$14.4M | -$831K | -5.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $69.5M | $68.2M | +$1.3M | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $329K | $300K | +$29K | +9.7% |
| Adjusted nonperforming assets | $329K | $300K | +$29K | +9.7% |
| Tangible equity plus allowance | $75.0M | $73.7M | +$1.3M | +1.8% |
| Texas ratio (gross) | 0.44% | 0.41% | +0.03 pts | See points |
| Texas ratio (adjusted) | 0.44% | 0.41% | +0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.44% | 0.41% | +0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.36% | 10.21% | +0.15 pts | See points |
| Construction and land loans to total capital | 116.10% | 113.04% | +3.06 pts | See points |
| Commercial real estate to total capital | 255.74% | 258.43% | -2.70 pts | See points |
| Dividend payout, year to date | 42.64% | 44.50% | -1.86 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.92% | -22.24% | -0.68 pts | See points |
| Liquidity | ||||
| Core deposits | $596.7M | $602.4M | -$5.7M | -1.0% |
| Non-core funding | $121.8M | $117.6M | +$4.2M | +3.6% |
| Loans to core deposits | 78.23% | 77.59% | +0.64 pts | See points |
| Loans to deposits | 66.93% | 66.58% | +0.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 79.04% | 78.21% | +0.83 pts | See points |
| Loans pledged, share of loans | 46.06% | 47.26% | -1.20 pts | See points |
| Volatile liabilities | $121.8M | $117.6M | +$4.2M | +3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $8.6M | $4.1M | +$4.5M | +110.2% |
| Earnings before provision, single quarter | $4.5M | $4.1M | +$418K | +10.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.23% | 7.03% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 3.75% | 3.49% | +0.26 pts | See points |
| Total interest income to average assets | 5.23% | 5.09% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.99% | 1.04% | -0.05 pts | See points |
| Cost of savings and money market deposits | 0.80% | 0.78% | +0.02 pts | See points |
| Cost of time deposits | 3.00% | 3.05% | -0.06 pts | See points |
| Total interest expense to average assets | 1.02% | 1.06% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $818M | $722M | $462M | 1.79% | 21.16% | 4.53% |
| 2026-06-30 | $794M | $697M | $461M | 1.78% | 20.69% | 4.49% |
| 2026-03-31 | $794M | $702M | $461M | 1.71% | 20.05% | 4.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $668M | 0.04% | 153 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.