First Community Bank: how it compares with its peers
Against 60 NE banks with half to twice its assets, First Community Bank's strongest measure in Q2 2026 is assets per employee ($11.0M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.99% vs. 1.43%).
| Measure | First Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.43% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.93% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.88% | 57.16% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $8.2M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.81% | 85.61% | Context |
What it means for lending operations
Its efficiency ratio of 60.88% is above the 57.16% 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
- Premier Bank National Association Omaha, NE · $342M
- Pathway Bank Cairo, NE · $338M
- F&M Bank West Point, NE · $355M
- The First National Bank of Gordon Gordon, NE · $358M
- City Bank & Trust Co. Lincoln, NE · $323M
- Flatwater Bank Gothenburg, NE · $368M
Questions about First Community Bank
How big is First Community Bank?
First Community Bank, established in 1903, is headquartered in Beemer, NE. It reported $342M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Community Bank's return on assets?
0.99% annualized in Q2 2026, against a 1.43% median for 60 NE banks with half to twice its assets, ahead of 15% of them.
What is First Community Bank's efficiency ratio?
60.88% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.16%, and lower is better.
Is First Community Bank growing its loans?
Net loans grew 26.4% over the year to Q2 2026, while deposits grew 24.1%.
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 NE 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 Nebraska bank ranked.