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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corpus Christi, TX · FDIC certificate #24353
FIRST COMMUNITY BANK is an FDIC-insured institution based in Corpus Christi, TX (FDIC certificate #24353). In its Q3 2026 Call Report it reported total assets of $666M, total deposits of $607M and net loans of $456M. 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 $666M in Q3 2026 and were lowest at $663M in Q2 2026.
Total deposits were highest at $607M in Q3 2026 and lowest at $582M in Q2 2026.
Over the whole period total assets rose 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $666M | $607M | $456M | 1.16% | 11.13% | 4.83% |
| Q2 2026 | $663M | $582M | $448M | 1.20% | 10.81% | 4.77% |
| Q1 2026 | $663M | $586M | $456M | 0.86% | 7.85% | 4.76% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.2M | $21.1M | +$7.1M | +33.7% |
| 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) | $157.7M | $155.8M | +$1.9M | +1.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $413K | $264K | +$149K | +56.4% |
| Net loans and leases (after allowance) | $447.4M | $456.1M | -$8.6M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $21.6M | $21.8M | -$171K | -0.8% |
| Other real estate owned | $121K | $668K | -$547K | -81.9% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $7.3M | $7.2M | +$110K | +1.5% |
| Total assets | $662.8M | $662.8M | -$41K | -0.0% |
| Liabilities | ||||
| Total deposits | $582.2M | $585.6M | -$3.4M | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| 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 | $4.9M | $4.9M | +$29K | +0.6% |
| Total liabilities | $587.1M | $590.5M | -$3.4M | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $13.5M | $13.5M | $0K | 0.0% |
| Retained earnings | $69.0M | $67.1M | +$1.9M | +2.8% |
| Accumulated other comprehensive income | -$7.3M | -$8.8M | +$1.5M | +16.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $75.7M | $72.3M | +$3.3M | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.2M | $3.2M | -$85K | -2.6% |
| Adjusted nonperforming assets | $1.8M | $1.8M | -$26K | -1.4% |
| Tangible equity plus allowance | $83.8M | $80.4M | +$3.4M | +4.2% |
| Texas ratio (gross) | 3.77% | 4.03% | -0.26 pts | See points |
| Texas ratio (adjusted) | 2.15% | 2.27% | -0.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 17.63% | 17.12% | +0.51 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.63% | 17.12% | +0.51 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.89% | 18.38% | +0.51 pts | See points |
| Tier 1 leverage (approximate) | 12.44% | 12.14% | +0.29 pts | See points |
| Construction and land loans to total capital | 100.70% | 102.01% | -1.31 pts | See points |
| Commercial real estate to total capital | 264.90% | 273.75% | -8.85 pts | See points |
| Dividend payout, year to date | 42.62% | 69.93% | -27.31 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.29% | -10.86% | +2.56 pts | See points |
| Liquidity | ||||
| Core deposits | $509.0M | $507.6M | +$1.4M | +0.3% |
| Non-core funding | $73.2M | $78.0M | -$4.9M | -6.2% |
| Loans to core deposits | 89.50% | 91.44% | -1.94 pts | See points |
| Loans to deposits | 78.25% | 79.26% | -1.01 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 21.88% | 22.45% | -0.56 pts | See points |
| Loans pledged, share of loans | 50.93% | 44.89% | +6.04 pts | See points |
| Volatile liabilities | $80.0M | $85.6M | -$5.6M | -6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $1.9M | +$2.6M | +141.0% |
| Earnings before provision, single quarter | $2.6M | $1.9M | +$759K | +41.0% |
| Provision for credit losses, year to date | $470K | $420K | +$50K | +11.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.98% | 6.99% | -0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 2.49% | 1.29% | +1.20 pts | See points |
| Total interest income to average assets | 5.70% | 5.69% | +0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.00% | 0.02% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.63% | 1.58% | +0.05 pts | See points |
| Cost of time deposits | 3.47% | 3.55% | -0.08 pts | See points |
| Total interest expense to average assets | 1.24% | 1.27% | -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 | $666M | $607M | $456M | 1.16% | 11.13% | 4.83% |
| 2026-06-30 | $663M | $582M | $448M | 1.20% | 10.81% | 4.77% |
| 2026-03-31 | $663M | $586M | $456M | 0.86% | 7.85% | 4.76% |
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 | $597.7M | 0.04% | 169 | 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.