First Community Bank
San Benito, TX
IDRSSD: 334264
Total Assets
$792.64M
Latest filing
Total Deposits
$705.41M
Latest filing
Net Interest Margin
4.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank
1151 W Us Highway 77
San Benito, TX 78586
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/01/1979FDIC Certificate 16067
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Community Bank (Main) | 1151 W Us Highway 77 | San Benito, TX |
| HARLINGEN BANKING CENTER BRANCH | 806 S 77 Sunshine Strip | Harlingen, TX |
| LOS FRESNOS BANKING CENTER BRANCH | 205 E Ocean Blvd | Los Fresnos, TX |
| EXPRESSWAY BANKING CENTER BRANCH | 600 S Sam Houston Blvd | San Benito, TX |
| STUART PLACE ROAD BRANCH | 405 North Stuart Place Road | Harlingen, TX |
| FIRST COMMUNITY BANK BRANCH | 470 E Morrison Rd | Brownsville, TX |
| RAYMONDVILLE BRANCH | 729 E Hidalgo Ave | Raymondville, TX |
| EDINBURG BRANCH | 8000 N 10th St | Mcallen, TX |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78586 |
| State and County Number | 48061 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Brownsville-Harlingen, TX |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/01/1979 |
| Primary Insurance Agency | DIF |
| Website | http://www.fcbtx.com |
| Data Updated | 11/14/2025 |
| CERT | 22964 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $792.64M |
| Total Deposits | $705.41M |
| Total Liabilities | $729.69M |
| Total Equity Capital | $62.95M |
| Net Income | $3.44M |
| Net Loans and Leases | $475.93M |
| Assets Per Employee ($Millions) | $6.1M |
| Bank Premises and Fixed Assets | $11.48M |
| Cash and Balances due from Depository Institutions | $80.79M |
| Deposits Held in Domestic Offices | $705.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 23.07% |
| Net Interest Margin | 4.5% |
| Efficiency Ratio | 54.51% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.942% |
| Earning Assets to total Assets | 94.29% |
Income and Expense
| Total Interest Income | $10.58M |
| Total Noninterest Income | $1.22M |
| Total Interest Expense | $2.36M |
| Total Noninterest Expense | $5.14M |
| Net Interest Income | $8.22M |
| Pre-tax Net Operating Income | $4.21M |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $17.74M |
| All Other Liabilities | $6.54M |
| Total Liabilities and Capital | $792.64M |
Securities
| Securities | $202.97M |
| Available-for-sale debt securities | $202.47M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank?
$792.64M as of the latest filing.
How much are First Community Bank's total deposits?
$705.41M in total deposits.
Where is First Community Bank located?
San Benito, TX.
What is the Net Interest Margin?
4.50%.
How many domestic offices does it operate?
9.
When was it established?
10/01/1979.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$475.93M (latest filing).
What is the total interest income (latest filing)?
$10.58M.