First Community Bank (FDIC #22964): Bank Stress & Real-Estate Credit Exposure
First Community Bank (FDIC Cert #22964): bank stress 59/100, moderate, STABLE over 7 days; parent FIRST SAN BENITO BANCSHARES.
First Community Bank (#22964) lends in 3 counties across 1 state; First Community Bank (#22964) reaches 51 ZIP codes: Texas 3 counties, 51 ZIPs.
First Community Bank (#22964) largest markets: Hidalgo County, TX (30 branches, 30 ZIPs) (#22964), Cameron County, TX (119 branches, 17 ZIPs) (#22964), Willacy County, TX (6 branches, 6 ZIPs) (#22964).
First Community Bank (#22964) reports $794.4 million in total assets; First Community Bank (#22964) equity $69.5 million (8.7% of First Community Bank (#22964) assets); First Community Bank (#22964) domestic deposits $697.4 million; First Community Bank (#22964) net income $7.0 million; First Community Bank (#22964) return on assets 1.78%; First Community Bank (#22964) return on equity 20.69%; First Community Bank (#22964) net interest income $16.7 million; First Community Bank (#22964) call report June 30, 2026.
First Community Bank (#22964) noncurrent real-estate loans: none reported; First Community Bank (#22964) net charge-offs on real estate 0.00%.
First Community Bank (#22964) net interest margin 4.49% against an eight-quarter First Community Bank (#22964) average of 4.26% (First Community Bank (#22964) compression -0.22 points); First Community Bank (#22964) rate-exposure score 40/100, First Community Bank (#22964) fixed-rate trap 40/100; First Community Bank (#22964) risk type credit driven; First Community Bank (#22964) rate regime rates elevated, First Community Bank (#22964) snapshot October 20, 2026.
First Community Bank (#22964) stress score moved from 60 on June 22, 2026 to 59.3 on October 20, 2026; First Community Bank (#22964) ranged 59.3 to 60 over 117 snapshots.
First Community Bank (#22964) alerts: 3 counties; top First Community Bank (#22964) alert scores: Mcallen County, TX 20 (low); Raymondville County, TX 20 (low); South Padre Island County, TX 20 (low).