First Community Bank: how it compares with its peers
Against 53 WI banks with half to twice its assets, First Community Bank's strongest measure in Q2 2026 is return on assets (1.81% vs. a 1.16% peer median). Its weakest relative measure is net interest margin (3.94% vs. 3.96%).
| Measure | First Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.16% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.96% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.04% | 65.20% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.7M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.46% | 83.57% | Context |
What it means for lending operations
Its efficiency ratio of 58.04% is better than the 65.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- GreenLeaf Bank Greenleaf, WI · $159M
- Oakwood Bank Pigeon Falls, WI · $156M
- Waldo State Bank Waldo, WI · $154M
- Bluff View Bank Galesville, WI · $153M
- The Pineries Bank Stevens Point, WI · $149M
- State Bank of Reeseville Reeseville, WI · $170M
Questions about First Community Bank
How big is First Community Bank?
First Community Bank, established in 1911, is headquartered in Milton, WI. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Community Bank's return on assets?
1.81% annualized in Q2 2026, against a 1.16% median for 53 WI banks with half to twice its assets, ahead of 89% of them.
What is First Community Bank's efficiency ratio?
58.04% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 65.20%, and lower is better.
Is First Community Bank growing its loans?
Net loans grew 12.7% over the year to Q2 2026, while deposits grew 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.