First Community Bank (FDIC #34533): Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #34533): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST COMMUNITY BANCSHARES INC.

First Community Bank (#34533) lends in 15 counties across 2 states; First Community Bank (#34533) reaches 217 ZIP codes: Arkansas 13 counties, 192 ZIPs; Missouri 2 counties, 25 ZIPs.

First Community Bank (#34533) largest markets: Pulaski County, AR (72 branches, 36 ZIPs) (#34533), Benton County, AR (22 branches, 22 ZIPs) (#34533), Independence County, AR (80 branches, 20 ZIPs) (#34533), Washington County, AR (20 branches, 20 ZIPs) (#34533), White County, AR (95 branches, 19 ZIPs) (#34533), Craighead County, AR (102 branches, 17 ZIPs) (#34533).

First Community Bank (#34533) reports $3.63 billion in total assets; First Community Bank (#34533) equity $284.6 million (7.8% of First Community Bank (#34533) assets); First Community Bank (#34533) domestic deposits $2.87 billion; First Community Bank (#34533) net income $23.2 million; First Community Bank (#34533) return on assets 1.32%; First Community Bank (#34533) return on equity 16.94%; First Community Bank (#34533) net interest income $67.9 million; First Community Bank (#34533) call report June 30, 2026.

First Community Bank (#34533) noncurrent real-estate loans 0.01% of its book; First Community Bank (#34533) net charge-offs on real estate 0.34%; First Community Bank (#34533) residential charge-offs 0.42%.

First Community Bank (#34533) net interest margin 4.14% against an eight-quarter First Community Bank (#34533) average of 3.86% (First Community Bank (#34533) compression -0.28 points); First Community Bank (#34533) real-estate loans 0.6% of equity; First Community Bank (#34533) non-residential real estate 41.7% of equity; First Community Bank (#34533) rate-exposure score 40/100, First Community Bank (#34533) fixed-rate trap 40/100; First Community Bank (#34533) risk type credit driven; First Community Bank (#34533) rate regime rates elevated, First Community Bank (#34533) snapshot October 19, 2026.

First Community Bank (#34533) stress score moved from 73.5 on June 22, 2026 to 71.8 on October 19, 2026; First Community Bank (#34533) ranged 71.8 to 73.5 over 116 snapshots.

First Community Bank (#34533) alerts: 15 counties; top First Community Bank (#34533) alert scores: Searcy County, AR 32 (low); Conway County, AR 28 (low); Batesville County, AR 24 (low); Cabot County, AR 24 (low); Cherokee Village County, AR 24 (low).