TellerScore

First Community Bank is a state-chartered bank headquartered in Batesville, Arkansas, in business for about 29 years. At the end of Q2 2026 it reported $3.6B in total assets and $2.9B in deposits, with 35 offices across 2 states.

Based on its Q2 2026 filing, First Community Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 55th. Its strongest component is loan quality (90/100; 0.31%), and its lowest is capital cushion (40/100; 9.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.04%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.31%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 101.8% · 29.5% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.44%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 62).

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202457
Q4 202457
Q1 202562
Q2 202563
Q3 202553
Q4 202560
Q1 202660
Q2 202662
Tier 1 leverage ratio
5.00%7.02%9.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.97%
Q3 20248.96%
Q4 20248.98%
Q1 20258.92%
Q2 20258.91%
Q3 20258.81%
Q4 20258.85%
Q1 20268.78%
Q2 20269.04%
Noncurrent loans
0.24%0.68%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.13%
Q3 20240.78%
Q4 20240.76%
Q1 20250.32%
Q2 20250.24%
Q3 20251.12%
Q4 20250.32%
Q1 20260.33%
Q2 20260.31%
Return on assets
0.92%1.12%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.98%
Q4 20241.00%
Q1 20251.14%
Q2 20251.16%
Q3 20251.04%
Q4 20251.09%
Q1 20261.19%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$3.6B9.04%0.31%1.32%101.8%
Q1 202660$3.5B8.78%0.33%1.19%98.4%
Q4 202560$3.4B8.85%0.32%1.09%99.5%
Q3 202553$3.3B8.81%1.12%1.04%99.8%
Q2 202563$3.3B8.91%0.24%1.16%99.2%
Q1 202562$3.1B8.92%0.32%1.14%100.2%
Q4 202457$3.0B8.98%0.76%1.00%101.8%
Q3 202457$2.9B8.96%0.78%0.98%102.1%
Q2 202453$2.8B8.97%1.13%0.92%101.8%

897 peers · $1 billion – $10 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 ratio9.04%
13th
Total risk-based capital11.59%
29th
Problem loans0.31%
66th
Net charge-offs0.14%
24th
Return on assets1.32%
56th
Net interest margin4.14%
75th
Efficiency ratio56.2%
59th
Loans to deposits101.8%
11th
Uninsured deposits29.5%
55th
Loan-loss reserves1.00%
31st
Texas ratio15.4%
7th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Encore BankBank Little Rock, AR61 out of 100, Moderate$3.7B9.4%0.17%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs

Deposit insurance

Is my money safe at First Community Bank?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #34533). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.5% of deposits ($846.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.04%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.59% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

First Community Bank lists 34 offices in 23 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Community Bank reported 2,064 home-loan applications under HMDA (LEI 549300IEIM2IT5YK4368): 1,573 originated ($357,125,000 total), 110 denied, and 378 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, 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 Community Bank of Batesville
Type
State-chartered bank
FDIC certificate #
34533
RSSD ID
2596646
Primary regulator
FDIC
Holding company
First Community Bancshares Inc
Established
August 4, 1997
Headquarters
1325 Harrison St, Batesville, AR 72501
Employees
596

Quick answers

First Community Bank: common questions

Is First Community Bank FDIC insured?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #34533). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank's TellerScore?

62 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 #34533 in the FDIC failed bank list.

How many branches does First Community Bank have?

35 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Batesville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Eagle Bank and Trust CompanyBank Little Rock, AR83 out of 100, Strong$505.7M16.4%0.65%vs
The First National Bank of Izard CountyBank Calico Rock, AR80 out of 100, Strong$234.8M31.1%2.09%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs