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First Community Bank
San Benito, TX · FDIC Certificate #22964 · Chartered 10/0
Total assets
$794.38M
Total deposits
$697.45M
Total equity
$69.48M
Net loans
$460.78M
Branches (offices)
9
Net income (YTD)
$7.04M
Rank: #1,261 of 4,213 U.S. banks by assets · #111 of 346 in Texas. Assets changed 4.3% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 20.69% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 10.36% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 66.1% |
| Real estate loans (share of loans) | 79.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $368.28M | 79.9% | |
| Commercial & industrial | $89.27M | 19.4% | |
| Consumer / individual | $3.77M | 0.8% | |
| Construction & development | $104.81M | 22.7% | |
| Agricultural | $1.77M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $705.62M | $655.57M | $4.39M | $37.00M |
| Jun 2023 | $715.42M | $635.87M | $5.32M | $41.88M |
| Jun 2024 | $777.42M | $652.41M | $5.17M | $48.41M |
| Jun 2025 | $761.39M | $668.03M | $5.75M | $56.18M |
| Jun 2026 | $794.38M | $697.45M | $7.04M | $69.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $697.45M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $697.45M.
Similar-sized banks
American Federal Bank ($795.84M) · Decorah Bank & Trust Company ($794.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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