Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Beemer, NE · FDIC certificate #5384
FIRST COMMUNITY BANK is an FDIC-insured institution based in Beemer, NE (FDIC certificate #5384). In its Q3 2026 Call Report it reported total assets of $353M, total deposits of $317M and net loans of $248M. Its primary federal regulator is FED.
Plain-language readout
FIRST COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $353M in Q3 2026 and were lowest at $335M in Q1 2026.
Total deposits were highest at $317M in Q3 2026 and lowest at $300M in Q2 2026.
Over the whole period total assets rose 5.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $353M | $317M | $248M | 0.95% | 9.82% | 3.69% |
| Q2 2026 | $342M | $300M | $255M | 0.99% | 10.13% | 3.68% |
| Q1 2026 | $335M | $300M | $243M | 0.93% | 9.55% | 3.61% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.5M | $11.1M | +$1.4M | +12.8% |
| Federal funds sold | $15.2M | $20.8M | -$5.6M | -27.1% |
| 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) | $35.6M | $36.5M | -$851K | -2.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $2.0M | $1.6M | +$353K | +21.7% |
| Net loans and leases (after allowance) | $252.6M | $241.0M | +$11.6M | +4.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.9M | $7.1M | -$132K | -1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $879K | $1.2M | -$284K | -24.4% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $3.6M | $3.7M | -$68K | -1.8% |
| All other assets | $13.0M | $12.4M | +$543K | +4.4% |
| Total assets | $342.3M | $335.4M | +$7.0M | +2.1% |
| Liabilities | ||||
| Total deposits | $300.2M | $300.5M | -$237K | -0.1% |
| 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 | $6.1M | $119K | +$6.0M | +5042.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.4M | $1.9M | +$496K | +26.4% |
| Total liabilities | $308.7M | $302.5M | +$6.3M | +2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $16.5M | $16.5M | $0K | 0.0% |
| Retained earnings | $18.1M | $17.5M | +$566K | +3.2% |
| Accumulated other comprehensive income | -$1.1M | -$1.3M | +$151K | +12.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.6M | $32.9M | +$717K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $455K | +$574K | +126.2% |
| Adjusted nonperforming assets | $1.0M | $455K | +$574K | +126.2% |
| Tangible equity plus allowance | $33.3M | $32.5M | +$843K | +2.6% |
| Texas ratio (gross) | 3.09% | 1.40% | +1.69 pts | See points |
| Texas ratio (adjusted) | 3.09% | 1.40% | +1.69 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.01% | 2.23% | +1.78 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.15% | 11.19% | -0.04 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.15% | 11.19% | -0.04 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.40% | 12.44% | -0.04 pts | See points |
| Tier 1 leverage (approximate) | 9.05% | 8.92% | +0.13 pts | See points |
| Construction and land loans to total capital | 17.18% | 22.23% | -5.05 pts | See points |
| Commercial real estate to total capital | 27.46% | 32.82% | -5.36 pts | See points |
| Dividend payout, year to date | 38.88% | 41.61% | -2.74 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.91% | -7.45% | +0.55 pts | See points |
| Liquidity | ||||
| Core deposits | $247.2M | $238.8M | +$8.4M | +3.5% |
| Non-core funding | $59.2M | $61.8M | -$2.6M | -4.2% |
| Loans to core deposits | 103.57% | 102.31% | +1.26 pts | See points |
| Loans to deposits | 85.27% | 81.31% | +3.95 pts | See points |
| Brokered deposits share of deposits | 8.65% | 11.71% | -3.06 pts | See points |
| Pledged securities share of securities | 2.66% | 18.31% | -15.65 pts | See points |
| Loans pledged, share of loans | 59.05% | 58.60% | +0.45 pts | See points |
| Volatile liabilities | $89.3M | $90.7M | -$1.4M | -1.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +115.1% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$162K | +15.1% |
| Provision for credit losses, year to date | $107K | $47K | +$60K | +127.7% |
| Yield and cost | ||||
| Yield on loans and leases | 7.24% | 7.21% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.84% | 5.69% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.97% | 0.91% | +0.06 pts | See points |
| Cost of savings and money market deposits | 2.22% | 2.35% | -0.13 pts | See points |
| Cost of time deposits | 3.66% | 3.71% | -0.05 pts | See points |
| Total interest expense to average assets | 2.44% | 2.43% | +0.01 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 | $353M | $317M | $248M | 0.95% | 9.82% | 3.69% |
| 2026-06-30 | $342M | $300M | $255M | 0.99% | 10.13% | 3.68% |
| 2026-03-31 | $335M | $300M | $243M | 0.93% | 9.55% | 3.61% |
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 |
|---|---|---|---|---|
| NE | $241.9M | 0.26% | 68 | Continuing · +0.01 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.