First Community Bank (FDIC #14904): Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #14904): bank stress 54/100, moderate, STABLE over 7 days; parent NEWELL BANCSHARES INC.

First Community Bank (#14904) lends in 3 counties across 1 state; First Community Bank (#14904) reaches 40 ZIP codes: Iowa 3 counties, 40 ZIPs.

First Community Bank (#14904) largest markets: Pocahontas County, IA (16 branches, 16 ZIPs) (#14904), Calhoun County, IA (30 branches, 15 ZIPs) (#14904), Buena Vista County, IA (14 branches, 14 ZIPs) (#14904).

First Community Bank (#14904) reports $115.7 million in total assets; First Community Bank (#14904) equity $14.0 million (12.1% of First Community Bank (#14904) assets); First Community Bank (#14904) domestic deposits $97.8 million; First Community Bank (#14904) net income $865,000; First Community Bank (#14904) return on assets 1.47%; First Community Bank (#14904) return on equity 12.38%; First Community Bank (#14904) net interest income $2.2 million; First Community Bank (#14904) call report June 30, 2026.

First Community Bank (#14904) noncurrent real-estate loans: none reported; First Community Bank (#14904) net charge-offs on real estate 1.57%; First Community Bank (#14904) multifamily charge-offs 95.23%.

First Community Bank (#14904) net interest margin 3.98% against an eight-quarter First Community Bank (#14904) average of 3.63% (First Community Bank (#14904) compression -0.35 points); First Community Bank (#14904) rate-exposure score 40/100, First Community Bank (#14904) fixed-rate trap 40/100; First Community Bank (#14904) risk type credit driven; First Community Bank (#14904) rate regime rates elevated, First Community Bank (#14904) snapshot October 20, 2026.

First Community Bank (#14904) stress score moved from 55.6 on June 22, 2026 to 53.7 on October 20, 2026; First Community Bank (#14904) ranged 53.7 to 55.6 over 117 snapshots.

First Community Bank (#14904) alerts: 3 counties; top First Community Bank (#14904) alert scores: Fonda County, IA 20 (low); Newell County, IA 20 (low); Rockwell City County, IA 20 (low).