First Community Bank: Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #34533) carries a DLRadar bank-stress score of 72/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Read against its 15-county reach, a elevated score sets the credit tone for every market on its map. First Community Bank is held under First Community Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model First Community Bank in isolation: the 217-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 15 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The First Community Bank score updates as fresh FDIC call reports post each quarter, so its 72/100 reading and 15-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Community Bank is directly comparable to any lender in the country. At the county level, First Community Bank finances markets like Pulaski County, AR, Benton County, AR, Independence County, AR, Washington County, AR — the specific places where its credit posture translates into local lending capacity. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. What separates this from a plain credit rating is the geographic weighting — First Community Bank's 72/100 reading reflects not just its balance sheet but the 15 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar maps First Community Bank into 15 counties (217 ZIP codes) across 2 states — a mid-sized, regionally concentrated lending base. The deepest footprints are Arkansas (13 counties), Missouri (2 counties).

The acquisition angle is simple — lending capacity is what moves deals. As First Community Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.