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First Community Bank
Batesville, AR·FDIC Cert #34533·Charter: STATE·Est. 19970804.0·HC: FIRST COMMUNITY BANCSHARES INC
Total Assets
$3.4B
Q4 2025
Return on Assets
1.09%
+0.06%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.22%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.09%+0.06
ROE
14.38%+0.64
Efficiency
61.22%-1.34
Equity/Assets
0.00%+0.00
NPL Ratio
0.33%-0.81
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.45%-0.38
Charge-offs
0.38%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 1.0 | 1.0 | 1.1 | 1.2 | 1.0 | 1.1 |
| ROE | 11.3 | 12.2 | 12.9 | 13.2 | 15.1 | 15.4 | 13.7 | 14.4 |
| Efficiency | 68.2 | 66.7 | 65.9 | 65.3 | 61.5 | 61.6 | 62.6 | 61.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 1.1 | 0.8 | 0.8 | 0.3 | 0.2 | 1.1 | 0.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 100.9 | 101.8 | 102.1 | 101.8 | 100.2 | 99.2 | 99.8 | 99.5 |
Balance Sheet
Total Assets$3.4B
Total Deposits$2.8B
Total Loans$2.8B
Total Equity$266.1M
Profitability
ROA1.09%
ROE14.38%
Efficiency Ratio61.22%
Net Income$35.1M
Risk & Asset Quality
NPL Ratio0.33%
Charge-off Rate0.38%
Loan/Deposit99.45%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans