First Community Bank
Batesville, Arkansas, Independence County
$3.6B in total assets, the 370th largest of 4,309 US banks and 7th of 78 headquartered in Arkansas.
- FDIC certificate
- 34533
- Established
- 1997
- Owned by
- First Community Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.firstcommunity.net
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.6B | 90% | $1.6B | |
| Loans | $2.9B | 95% | $1.3B | |
| Deposits | $2.9B | 90% | $1.4B | |
| Return on assets | 1.18% | 42% | 1.24% | |
| Net interest margin | 4.14% | 63% | 4.01% | |
| Efficiency ratio | 56.2% | 37% | 57.5% | |
| Equity to assets | 7.84% | 2% | 11.19% | |
| Loans to deposits | 103% | 95% | 88% |
Growth
Total assets grew 13.9% a year over the last 5 years and 12.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2016 | Little River Bank Lepanto, AR | $32M |
| Jul 2008 | Goodman State Bank Goodman, MO, an affiliate under the same holding company | $16M |
Where they operate
34 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Independence County, AR | $867M | 47.1% | 1 of 8 |
| Craighead County, AR | $424M | 9.9% | 2 of 24 |
| White County, AR | $397M | 19.0% | 2 of 10 |
| Newton County, MO | $200M | 12.2% | 5 of 8 |
| Pulaski County, AR | $179M | 0.6% | 20 of 33 |
| Lonoke County, AR | $142M | 8.4% | 6 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 17 branches since 2016 (17 to 34, +100.0%). 19 opened, 1 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Acquired Little River BankOpened Jonesboro | 2 | 0 | +2 | 19 |
| 2017 | Opened Little Rock | 1 | 0 | +1 | 20 |
| 2018 | Opened Batesville and Cabot | 2 | 0 | +2 | 22 |
| 2019 | Opened 6 in 2 statesClosed Pineville | 6 | 1 | +5 | 27 |
| 2021 | Opened Brookland and Conway | 2 | 0 | +2 | 29 |
| 2022 | Opened 3 in Arkansas | 3 | 0 | +3 | 32 |
| 2023 | Opened JoplinClosed Little Rock | 1 | 1 | 0 | 32 |
| 2024 | Opened 3 in ArkansasClosed Conway | 3 | 1 | +2 | 34 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 26% | 22% | |
| Commercial real estate | 26% | 29% | |
| Business (C&I) | 16% | 14% | |
| Construction and land | 15% | 13% | |
| Consumer | 8% | 2% | |
| Multifamily | 6% | 5% | |
| Farmland | 2% | 11% | |
| Agricultural | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 50% | 34% | |
| Other interest-bearing | 34% | 48% | |
| Noninterest-bearing | 15% | 18% |
Brokered deposits are 8.3% of deposits (peers 6.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.40% |
| Net charge-offs, annualized | 0.14% | 0.08% |
| Reserves to loans | 1.00% | 1.29% |
| Leverage ratio | 9.04% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Independence County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-community-bank-batesville-ar