Headquartered in Newell, Iowa, First Community Bank is a state-chartered bank with $115.7M in total assets and $97.8M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1912.
Based on its Q2 2026 filing, First Community Bank scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 179th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is capital cushion (44/100; 9.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 59 |
| Q4 2025 | 62 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.93% |
| Q3 2024 | 9.14% |
| Q4 2024 | 8.88% |
| Q1 2025 | 8.95% |
| Q2 2025 | 9.16% |
| Q3 2025 | 9.42% |
| Q4 2025 | 9.29% |
| Q1 2026 | 9.24% |
| Q2 2026 | 9.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.70% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.85% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $115.7M | 9.40% | 1.32% | 1.47% | 76.9% |
| Q1 2026 | 64 | $121.0M | 9.24% | 1.33% | 1.41% | 72.4% |
| Q4 2025 | 62 | $116.9M | 9.29% | 1.29% | 1.17% | 77.7% |
| Q3 2025 | 59 | $114.4M | 9.42% | 1.70% | 1.24% | 76.2% |
| Q2 2025 | 62 | $115.8M | 9.16% | 1.37% | 1.22% | 73.6% |
| Q1 2025 | 61 | $117.6M | 8.95% | 1.46% | 1.25% | 67.9% |
| Q4 2024 | 57 | $117.0M | 8.88% | 1.40% | 0.85% | 71.6% |
| Q3 2024 | 59 | $115.5M | 9.14% | 1.42% | 0.92% | 72.0% |
| Q2 2024 | 58 | $115.0M | 8.93% | 1.45% | 0.89% | 70.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Twin Cedars BankBank Bussey, IA | 29 out of 100, Low | $118.3M | 9.2% | 4.61% | vs |
| Security State BankBank Radcliffe, IA | 44 out of 100, Below average | $119.0M | 8.3% | 2.88% | vs |
| United Bank & Trust Co.Bank Marshalltown, IA | 63 out of 100, Moderate | $120.1M | 10.5% | 1.57% | vs |
| Security State BankBank Algona, IA | 72 out of 100, Strong | $109.8M | 27.3% | 2.14% | vs |
| FNNB BankBank Newton, IA | 70 out of 100, Strong | $109.5M | 9.7% | 0.55% | vs |
| White State BankBank South English, IA | 73 out of 100, Strong | $109.0M | 11.2% | 1.31% | vs |
Deposit insurance
Is my money safe at First Community Bank?
Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #14904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.1% of deposits ($14.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.06% (benchmark: 10%).
4 locations
Branches
First Community Bank lists 4 offices in 4 cities. Most locations:
- Fonda, IA (1)
- Newell, IA (1)
- Pomeroy, IA (1)
- Rockwell City, IA (1)
Identity & history
Profile
- Legal name
- First Community Bank
- Former names
- The First National Bank of Newell
- Type
- State-chartered bank
- FDIC certificate #
- 14904
- RSSD ID
- 233246
- Primary regulator
- FDIC
- Holding company
- Newell Bancshares Inc
- Established
- January 1, 1912
- Headquarters
- 119 S Fulton St, Newell, IA 50568
- Website
- www.fcb4u.com
- Employees
- 24
Quick answers
First Community Bank: common questions
Is First Community Bank FDIC insured?
Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #14904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Community Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Community Bank ever failed?
There is no failure record for FDIC certificate #14904 in the FDIC failed bank list.
How many branches does First Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Newell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens First National Bank of Storm LakeBank Storm Lake, IA | 99 out of 100, Very strong | $256.5M | 15.9% | 0.03% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |