First Community Bank: how it compares with its peers
Against 126 TX banks with half to twice its assets, First Community Bank's strongest measure in Q2 2026 is net interest margin (4.77% vs. a 4.19% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $7.8M).
| Measure | First Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.43% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.77% | 4.19% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.49% | 60.54% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $7.8M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.93% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 74.49% is above the 60.54% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Wellington State Bank Wellington, TX · $660M
- Classic Bank, National Association Cameron, TX · $657M
- TXN Bank Hondo, TX · $669M
- Worthington Bank Arlington, TX · $655M
- Community Bank & Trust, Waco, Texas Waco, TX · $649M
- Dominion Bank Dallas, TX · $647M
Questions about First Community Bank
How big is First Community Bank?
First Community Bank, established in 1983, is headquartered in Corpus Christi, TX. It reported $663M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is First Community Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.43% median for 126 TX banks with half to twice its assets, ahead of 36% of them.
What is First Community Bank's efficiency ratio?
74.49% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is First Community Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 2.6%.
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 TX 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 Texas bank ranked.