TellerScore

First Community Bank (FDIC certificate #5384) is based in Beemer, Nebraska. Its Q2 2026 call report shows $342.3M in total assets and $300.2M in deposits and 4 offices.

Based on its Q2 2026 filing, First Community Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 104th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is capital cushion (41/100; 9.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.05%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 84.8% · 18.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.78%

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 fell 2 points (68 → 66), mostly because the loan quality component weakened by 13 points.

TellerScore
666768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202467
Q1 202566
Q2 202568
Q3 202567
Q4 202566
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.03%9.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.80%
Q4 20248.67%
Q1 20258.45%
Q2 20258.80%
Q3 20258.65%
Q4 20258.87%
Q1 20268.92%
Q2 20269.05%
Noncurrent loans
0.00%0.20%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.10%
Q4 20250.21%
Q1 20260.18%
Q2 20260.40%
Return on assets
0.60%0.80%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.62%
Q3 20240.60%
Q4 20240.66%
Q1 20250.69%
Q2 20250.81%
Q3 20250.86%
Q4 20250.94%
Q1 20260.93%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$342.3M9.05%0.40%0.99%84.8%
Q1 202667$335.4M8.92%0.18%0.93%80.8%
Q4 202566$336.8M8.87%0.21%0.94%84.9%
Q3 202567$288.0M8.65%0.10%0.86%82.6%
Q2 202568$283.0M8.80%0.00%0.81%83.3%
Q1 202566$275.0M8.45%0.00%0.69%82.5%
Q4 202467$264.9M8.67%0.01%0.66%80.6%
Q3 202466$261.5M8.80%0.00%0.60%74.3%
Q2 202467$253.2M8.86%0.00%0.62%75.8%

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 ratio9.05%
13th
Total risk-based capital12.40%
54th
Problem loans0.40%
51st
Net charge-offs0.01%
49th
Return on assets0.99%
33rd
Net interest margin3.68%
36th
Efficiency ratio60.9%
55th
Loans to deposits84.8%
38th
Uninsured deposits18.9%
68th
Loan-loss reserves1.30%
62nd
Texas ratio2.8%
49th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Premier Bank National AssociationBank Omaha, NE71 out of 100, Strong$342.4M12.6%1.21%vs
Pathway BankBank Cairo, NE54 out of 100, Below average$338.1M12.4%3.85%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
The First National Bank of GordonBank Gordon, NE79 out of 100, Strong$357.5M14.1%1.30%vs
City Bank & Trust Co.Bank Lincoln, NE58 out of 100, Moderate$323.2M10.0%0.96%vs
Flatwater BankBank Gothenburg, NE56 out of 100, Moderate$367.7M9.4%1.76%vs

Deposit insurance

Is my money safe at First Community Bank?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #5384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.9% of deposits ($56.9M) 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 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.40% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Community Bank lists 4 offices in 4 cities. Most locations:

  • Bancroft, NE (1)
  • Beemer, NE (1)
  • Fremont, NE (1)
  • Homer, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Community Bank
Former names
First National Bank; The First National Bank of Beemer
Type
State-chartered bank (Fed member)
FDIC certificate #
5384
RSSD ID
993250
Primary regulator
FED
Holding company
First Beemer Corp
Established
April 7, 1903
Headquarters
201 Main St, Beemer, NE 68716
Employees
31

Quick answers

First Community Bank: common questions

Is First Community Bank FDIC insured?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #5384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank's TellerScore?

66 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 #5384 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 Beemer

InstitutionScoreAssetsCapitalProblem loansCompare
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs