BlastPoint's Banking Scorecard
First Community Bank
Community
Specialty: Commercial
TX
FDIC cert 24353
Corpus Christi, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Community Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 10% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$661.7M
-0.0% YoY
-1.6% QoQ
|
-$729.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$448.7M
-2.9% YoY
-1.2% QoQ
|
-$526.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$584.1M
-1.6% YoY
-2.1% QoQ
|
-$580.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.28%
+16.9% YoY
-8.5% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.81%
+12.0% YoY
+0.3% QoQ
|
+1.15% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
74.17%
-2.8% YoY
+3.1% QoQ
|
+11.53% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.49%
+28.5% YoY
-12.9% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
76.81%
-1.3% YoY
+0.9% QoQ
|
-6.25% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
41.19%
-0.6% YoY
+2.4% QoQ
|
+20.15% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.44%
+45.2% YoY
+12.4% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.21%
+9.9% YoY
+2.8% QoQ
|
+6.97% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.70%
-0.7% YoY
+36.8% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#16 of 150 · Top 10% 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:
41.19%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.81%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.19% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.21% · Tier avg: 10.24%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.81% · Tier avg: 83.06%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
26
26th pctile
Total Deposits
Current: $584.1M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $661.7M · Tier avg: $1.4B
22
22th pctile
Total Loans
Current: $448.7M · Tier avg: $975.5M
18
18th pctile
Efficiency Ratio
Current: 74.17% · Tier avg: 62.63%
Top Weaknesses
18
18th pctile
Efficiency Ratio
Current: 74.17% · Tier avg: 62.63%
22
22th pctile
Total Loans
Current: $448.7M · Tier avg: $975.5M
23
23th pctile
Total Assets
Current: $661.7M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $584.1M · Tier avg: $1.2B
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.81% · Tier avg: 83.06%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.21% · Tier avg: 10.24%
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.19% · Tier avg: 21.05%