First Community Bank (FDIC #24353): Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #24353): bank stress 61/100, elevated, STABLE over 7 days; parent COASTAL BEND BANCSHARES INC.

First Community Bank (#24353) lends in 7 counties across 1 state; First Community Bank (#24353) reaches 79 ZIP codes: Texas 7 counties, 79 ZIPs.

First Community Bank (#24353) largest markets: Nueces County, TX (162 branches, 27 ZIPs) (#24353), Brazoria County, TX (21 branches, 21 ZIPs) (#24353), Victoria County, TX (12 branches, 12 ZIPs) (#24353), San Patricio County, TX (18 branches, 9 ZIPs) (#24353), Jim Wells County, TX (16 branches, 8 ZIPs) (#24353), Aransas County, TX (5 branches, 5 ZIPs) (#24353).

First Community Bank (#24353) reports $662.8 million in total assets; First Community Bank (#24353) equity $75.7 million (11.4% of First Community Bank (#24353) assets); First Community Bank (#24353) domestic deposits $582.2 million; First Community Bank (#24353) net income $4.0 million; First Community Bank (#24353) return on assets 1.20%; First Community Bank (#24353) return on equity 10.81%; First Community Bank (#24353) net interest income $14.8 million; First Community Bank (#24353) call report June 30, 2026.

First Community Bank (#24353) noncurrent real-estate loans: none reported; First Community Bank (#24353) residential -0.12%; First Community Bank (#24353) net charge-offs on real estate 0.70%; First Community Bank (#24353) residential charge-offs 0.92%.

First Community Bank (#24353) net interest margin 4.77% against an eight-quarter First Community Bank (#24353) average of 4.63% (First Community Bank (#24353) compression -0.14 points); First Community Bank (#24353) non-residential real estate 91.9% of equity; First Community Bank (#24353) rate-exposure score 40/100, First Community Bank (#24353) fixed-rate trap 40/100; First Community Bank (#24353) risk type credit driven; First Community Bank (#24353) rate regime rates elevated, First Community Bank (#24353) snapshot October 20, 2026.

First Community Bank (#24353) stress score moved from 68.4 on June 22, 2026 to 61.5 on October 20, 2026; First Community Bank (#24353) ranged 61.5 to 68.4 over 117 snapshots.

First Community Bank (#24353) alerts: 7 counties; top First Community Bank (#24353) alert scores: Victoria County, TX 32 (low); Corpus Christi County, TX 19 (low); Kingsville County, TX 19 (low); Pearland County, TX 19 (low); Portland County, TX 19 (low).