BlastPoint's Banking Scorecard
First Community Bank
Community
Specialty: Commercial
TX
FDIC cert 22964
San Benito, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15% in Community
- + Deposit Franchise: Top 38% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Credit Quality Pressure: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$778.9M
+6.0% YoY
-1.7% QoQ
|
-$612.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$467.1M
+1.3% YoY
-1.9% QoQ
|
-$508.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$690.9M
+6.9% YoY
-2.1% QoQ
|
-$473.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.70%
+14.2% YoY
+4.9% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.45%
+13.1% YoY
+1.2% QoQ
|
+0.78% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
55.83%
-1.8% YoY
-1.0% QoQ
|
-6.80% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.06%
+1.9% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
67.61%
-5.2% YoY
+0.2% QoQ
|
-15.46% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
38.61%
+0.4% YoY
-0.8% QoQ
|
+17.56% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+1.8% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.66%
-5.6% YoY
+44.1% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#56 of 371 · Top 15% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#57 of 150 · Top 38% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.61%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.45%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#13 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#91 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.61% · Tier avg: 21.05%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
85
85th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.61% · Tier avg: 83.06%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 55.83% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
37
37th pctile
Total Deposits
Current: $690.9M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $778.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Loans
Current: $467.1M · Tier avg: $975.5M
Top Weaknesses
25
25th pctile
Total Loans
Current: $467.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $778.9M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $690.9M · Tier avg: $1.2B
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
70
70th pctile
Efficiency Ratio
Current: 55.83% · Tier avg: 62.63%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.61% · Tier avg: 83.06%
85
85th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.61% · Tier avg: 21.05%