TellerScore

First Community Bank is a state-chartered bank headquartered in San Benito, Texas, in business for about 47 years. At the end of Q2 2026 it reported $794.4M in total assets and $697.4M in deposits, with 9 offices.

First Community Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 77th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (54/100, 10.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 66.1% · 29.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.44%

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 4 points (77 → 81), mostly because the earnings component improved by 9 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202474
Q4 202476
Q1 202577
Q2 202577
Q3 202577
Q4 202579
Q1 202680
Q2 202681
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.23%
Q3 20249.21%
Q4 20249.47%
Q1 20259.79%
Q2 20259.91%
Q3 20259.82%
Q4 202510.13%
Q1 202610.21%
Q2 202610.36%
Noncurrent loans
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.06%
Q3 20250.06%
Q4 20250.06%
Q1 20260.06%
Q2 20260.01%
Return on assets
1.37%1.58%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.37%
Q3 20241.41%
Q4 20241.49%
Q1 20251.52%
Q2 20251.55%
Q3 20251.62%
Q4 20251.70%
Q1 20261.71%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$794.4M10.36%0.01%1.78%66.1%
Q1 202680$794.0M10.21%0.06%1.71%65.7%
Q4 202579$778.9M10.13%0.06%1.70%67.6%
Q3 202577$792.6M9.82%0.06%1.62%67.5%
Q2 202577$761.4M9.91%0.06%1.55%70.7%
Q1 202577$734.1M9.79%0.00%1.52%72.2%
Q4 202476$734.5M9.47%0.00%1.49%71.3%
Q3 202474$766.4M9.21%0.00%1.41%69.4%
Q2 202474$777.4M9.23%0.00%1.37%70.5%

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).

Capital ratio10.36%
39th
Total risk-based capital0.00%
24th
Problem loans0.01%
86th
Net charge-offs0.02%
39th
Return on assets1.78%
79th
Net interest margin4.49%
79th
Efficiency ratio55.2%
72nd
Loans to deposits66.1%
75th
Uninsured deposits29.3%
30th
Loan-loss reserves1.29%
61st
Texas ratio0.4%
78th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
American Bank, National AssociationBank Dallas, TX77 out of 100, Strong$773.8M10.8%0.28%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Sage Capital Bank,Bank Gonzales, TX76 out of 100, Strong$768.9M10.4%0.01%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs

Deposit insurance

Is my money safe at First Community Bank?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #22964). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.3% of deposits ($204.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First Community Bank lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Community Bank reported 39 home-loan applications under HMDA (LEI 549300XUMLWCTTKR4B35): 38 originated ($22,840,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Community Bank
Former names
First National Bank of San Benito; First Community Bank, National Association
Type
State-chartered bank
FDIC certificate #
22964
RSSD ID
334264
Primary regulator
FDIC
Holding company
First San Benito Bancshares
Established
October 1, 1979
Headquarters
1151 W Us Highway 77, San Benito, TX 78586
Employees
132

Quick answers

First Community Bank: common questions

Is First Community Bank FDIC insured?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #22964). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank's TellerScore?

81 out of 100 (Strong), 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 #22964 in the FDIC failed bank list.

How many branches does First Community Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near San Benito

InstitutionScoreAssetsCapitalProblem loansCompare
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs