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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

First Community Bank

Batesville, Arkansas · $3.63B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

102.8%
Loans / deposits
12th of 12
7.8%
Equity / assets
11th of 12
256.7%
CRE / capital
10th of 12

First Community Bank is the eighth largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $3.63B in assets at 30 June 2026. Loans are 102.8% of deposits, the highest in the cohort against a median of 83.4%, and equity is 7.8% of assets, 11th of 12. Loans grew +12.4% in the year, 3rd of 12, and deposits grew 9.4%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.31% of the book, 5th of 12 against a median of 0.56%; 0.92% is 30 to 89 days past due, and the allowance covers them 3.2 times. Net charge-offs are 0.14% of loans, 10th of 12. Commercial real estate is 30.3% of loans, 7th of 12 against a median of 30.3%, and 257% of capital, below the 300% screen, with construction at 127% against the 100% screen.

Return on assets is 1.32%, 4th of 12 against a median of 1.16%, on an efficiency ratio of 56.2%, 3rd of 12. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 83.4% FG First Guaranty Bank 50.9% IB Independence Bank of Kentucky 70.5% RR Red River Bank 77.8% BF Bankfirst Financial Services 80.3% EB Encore Bank 81.2% RB River Bank & Trust 81.6% GC Gulf Coast Bank & Trust Co. 85.2% HB Home Bank National Association 90.3% IB Investar Bank National Association 95.2% CB Central Bank & Trust Co. 96.6% SB Southeast Bank 96.6% FC First Community Bank 102.8%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.9% IB Investar Bank National Association +45.3% BF Bankfirst Financial Services +23.9% FC First Community Bank +12.4% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% SB Southeast Bank +8.0% RR Red River Bank +5.7% CB Central Bank & Trust Co. +5.3% IB Independence Bank of Kentucky +1.1% HB Home Bank National Association +0.5% EB Encore Bank -6.9% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

First Community Bank is the 33rd largest 7(a) lender into Arkansas of 260, with $14M across 70 loans, 0.5% of everything approved in the state (First Financial Bank leads with $379M). 14 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Arkansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Craighead, AR$4M9th of 384.5%quiet FY2018
Independence, AR$2M6th of 195.4%quiet FY2019
Benton, AR$2M45th of 900.4%thin
Sharp, AR$1M8th of 142.9%quiet FY2014
Faulkner, AR$950K21st of 481.1%-0.8 pts
Cleburne, AR$860K8th of 193.2%thin
Poinsett, AR$787K3rd of 816.8%quiet FY2015
Pulaski, AR$752K72nd of 1100.2%thin
Newton, MO$750K16th of 290.7%quiet FY2015
Lonoke, AR$450K15th of 282.1%quiet FY2015
White, AR$399K20th of 340.6%quiet FY2016
Barry, MO$350K17th of 280.7%quiet FY2015
Jasper, MO$338K42nd of 580.2%quiet FY2015
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing12$4M24.4%0.01%807th of 2,246
Retail trade20$3M17.5%0.00%1005th of 2,589
Accommodation & food services13$2M12.9%0.00%1232nd of 2,596
Other services7$1M8.4%0.00%1050th of 2,248
Wholesale trade5$1M6.8%0.00%873rd of 1,651
7(a) lenders into Arkansas, share of approvals since FY2008260 lenders on record; the ten largest and First Community Bank
FF First Financial Bank 12.9% $379M · 620 loans LO Live Oak Banking Company 10.7% $313M · 188 loans AB Arvest Bank 9.9% $292M · 943 loans SB Southern Bancorp Bank 4.5% $131M · 158 loans AC Acc Capital 4.2% $123M · 258 loans FS First Service Bank 3.5% $103M · 154 loans RB Regions Bank 3.3% $97M · 140 loans TH The Huntington National Bank 3.0% $89M · 143 loans BO Bank Ozk 2.8% $82M · 119 loans SB Simmons Bank 2.5% $72M · 267 loans FC First Community Bank 0.5% $14M · 70 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First Community BankRankCohort median
Total CRE against capital, the 300% screen257%10th of 12213%
Construction against capital, the 100% screen127%12th of 1260%
Construction and land development, share of loans15.0%12th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans9.6%1st of 1216.4%
Total CRE, the guidance definition, share of loans30.3%7th of 1230.3%
CRE growth over 36 months, the third prong+30.9%8th of 12+25.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Independence Bank of Kentucky$3.83B1.1%64.1%0.12%0.00%1.0%70.5%8.3%
Encore Bank$3.70B0.4%85.2%0.17%0.14%1.3%81.2%8.4%
First Community Bank$3.63B1.3%56.2%0.31%0.14%1.0%102.8%7.8%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Southeast Bank$3.58B0.7%71.4%2.66%0.09%0.6%96.6%8.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Bankfirst Financial Services$3.31B1.1%65.3%0.77%0.10%1.3%80.3%13.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Community BankCohort median
20212026Change20212026Change
Loans$1.50B$2.95B+96%$1.74B$2.80B+61%
Deposits$1.56B$2.87B+84%$2.30B$3.17B+38%
NPA / loans0.44%0.31%-0.13 pts0.65%0.56%-0.09 pts
Efficiency60.4%56.2%-4.2 pts63.8%64.7%+1.0 pts
ROA1.25%1.32%+0.07 pts1.09%1.16%+0.07 pts

This read was prepared for First Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.firstcommunity.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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