What is First Community Bank's financial health grade?

First Community Bank has a TFS Financial Health Grade of C- (score: 71.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Community Bank have?

First Community Bank has 9 branch locations across the United States.

Is First Community Bank FDIC insured?

Yes, First Community Bank is FDIC insured (Certificate #22964).

What are the total assets of First Community Bank?

First Community Bank has total assets of $778.9M as reported in its most recent FDIC filing.

First Community Bank

BankSan Benito, Texas

http://www.fcbtx.com

Total Assets

$778.9M

Total Deposits

$690.9M

Branches

Established

1979

TFS Health Grade

C-

71.4 / 100

Average financial health

How we grade

First Community Bank is a bank headquartered in San Benito, Texas, established in 1979. With $778.9M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (71.4/100).

Capital & Safety

Tier 1 Capital Ratio

10.13%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.70%(1%)

Return on Equity (ROE)

22.10%(10%)

Net Interest Margin

4.45%

Efficiency Ratio

55.83%(60%)

Lending & Liquidity

Total Loans

$473.1M

Loan-to-Deposit Ratio

67.61%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+6.05%

Deposit Growth (YoY)

+6.90%

Net Income

$12.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Community BankHQ	1151 W Us Highway 77	San Benito	TX	11
First Community Bank	470 E Morrison Rd	Brownsville	TX	11
First Community Bank	405 North Stuart Place Road	Harlingen	TX	11
First Community Bank	806 S 77 Sunshine Strip	Harlingen	TX	11
First Community Bank	205 E Ocean Blvd	Los Fresnos	TX	11
First Community Bank	8000 N 10th St	Mcallen	TX	11
First Community Bank	729 E Hidalgo Ave	Raymondville	TX	11
First Community Bank	600 S Sam Houston Blvd	San Benito	TX	11
First Community Bank	2701 Padre Blvd	South Padre Island	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.