First Community Bank (FDIC #13179): Bank Stress & Real-Estate Credit Exposure
First Community Bank (FDIC Cert #13179): bank stress 53/100, moderate, STABLE over 7 days; parent HARBOR SPRINGS FINANCIAL CORP.
First Community Bank (#13179) lends in 5 counties across 1 state; First Community Bank (#13179) reaches 140 ZIP codes: Michigan 5 counties, 140 ZIPs.
First Community Bank (#13179) largest markets: Oakland County, MI (71 branches, 71 ZIPs) (#13179), Kent County, MI (39 branches, 39 ZIPs) (#13179), Cheboygan County, MI (15 branches, 15 ZIPs) (#13179), Emmet County, MI (66 branches, 11 ZIPs) (#13179), Grand Traverse County, MI (11 branches, 11 ZIPs) (#13179).
First Community Bank (#13179) reports $413.6 million in total assets; First Community Bank (#13179) equity $40.3 million (9.7% of First Community Bank (#13179) assets); First Community Bank (#13179) domestic deposits $358.3 million; First Community Bank (#13179) net income $3.9 million; First Community Bank (#13179) return on assets 1.91%; First Community Bank (#13179) return on equity 19.33%; First Community Bank (#13179) net interest income $10.4 million; First Community Bank (#13179) call report June 30, 2026.
First Community Bank (#13179) noncurrent real-estate loans: none reported; First Community Bank (#13179) net charge-offs on real estate 0.00%.
First Community Bank (#13179) net interest margin 5.51% against an eight-quarter First Community Bank (#13179) average of 5.20% (First Community Bank (#13179) compression -0.31 points); First Community Bank (#13179) rate-exposure score 40/100, First Community Bank (#13179) fixed-rate trap 40/100; First Community Bank (#13179) risk type credit driven; First Community Bank (#13179) rate regime rates elevated, First Community Bank (#13179) snapshot October 19, 2026.
First Community Bank (#13179) stress score moved from 52.4 on June 22, 2026 to 53.4 on October 19, 2026; First Community Bank (#13179) ranged 52.4 to 53.4 over 116 snapshots.
First Community Bank (#13179) alerts: 5 counties; top First Community Bank (#13179) alert scores: Cheboygan County, MI 49 (moderate); Birmingham County, MI 21 (low); Grand Rapids County, MI 21 (low); Petoskey County, MI 21 (low); Traverse City County, MI 21 (low).