First Community Bank, Missouri

Headquarters

2911 North Westwood Boulevard
Poplar Bluff, MO 63901
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Community Bank, Missouri is an FDIC insured institution located in Poplar Bluff, MO. It was founded in 1944 and has approximately $0.28 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16207
Date Established 1944
Assets $ 301.06 million
Loans $ 199.83 million
Deposits $ 270.49 million
Capital $ 28.78 million
 

For a more detailed analysis of First Community Bank, Missouri's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Community Bank, Missouri

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to First Community Bank, Missouri
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First Community Bank, Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Community Bank, Missouri Locations


Financial Details

First Community Bank, Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community Bank, Missouri. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Community Bank, Missouri U.S. Bank Average
7.21% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Community Bank, Missouri had $481,000 in non-current loans and $1,596,000 in owned real estate. To cover these potential losses it had $28,782,000 in equity and $36,000 in loans loss reserves. That gives it a Texas Ratio of 7.21%.

Return on Equity
First Community Bank, Missouri U.S. Bank Average
6.23% 7.80%

First Community Bank, Missouri has a Return on Equity of 6.23% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Community Bank, Missouri U.S. Bank Average
9.56% 12.68%

First Community Bank, Missouri has a Capitalization of 9.56% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Community Bank, Missouri Balance Sheet Analysis

As of March 31, 2015, First Community Bank, Missouri had assets of $277,333,000, loans of $199,828,000, and deposits of $270,491,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 199.83 million
Loan loss allowance $ 0.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.60 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 270.49 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 301.06 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Community Bank, Missouri’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, First Community Bank, Missouri has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.33
Multifamily
Mortgages
2.72
Credit Card Loans 0.30
Consumer Auto Loans 1.19
Small Business Loans 11.53
Construction and Development Loans 8.89
Commercial Real Estate 37.00
Commercial and Industrial Loans 20.68
Farm Loans 3.12

Frequently Asked Questions About First Community Bank, Missouri

Branches and Savings

Is First Community Bank, Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #16207.

Why does First Community Bank, Missouri pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Community Bank, Missouri CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Community Bank, Missouri a commercial bank?

Yes

Where are First Community Bank, Missouri locations?

See branch locations nearby.

Is First Community Bank, Missouri open on Saturdays?

Is First Community Bank, Missouri open on Sundays?

What time does First Community Bank, Missouri open?

What time does First Community Bank, Missouri close?

Are First Community Bank, Missouri ATMs Open 24/7?

Do First Community Bank, Missouri ATMs accept cash deposits?

Can First Community Bank, Missouri customers use other ATMs?

Do First Community Bank, Missouri branches have notaries?

Will First Community Bank, Missouri notarize my document?

What address for First Community Bank, Missouri should I put for incoming ACH transfers?

Will the First Community Bank, Missouri branch print checks?

Do First Community Bank, Missouri checks expire?

Does First Community Bank, Missouri require US citizenship to open account?

Can First Community Bank, Missouri close my account?

Does First Community Bank, Missouri Report to credit bureaus?

Does First Community Bank, Missouri Use Equifax?

What is First Community Bank, Missouri's ACH Routing Number?

What is First Community Bank, Missouri's SWIFT code?

Products

Does First Community Bank, Missouri offer mortgages?

Compare mortgage rates here.

Does First Community Bank, Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community Bank, Missouri offer personal loans?

Compare personal loan rates here.

Does First Community Bank, Missouri offer student loans?

Will First Community Bank, Missouri cash a check?

Will First Community Bank, Missouri redeem a savings bond?

Does First Community Bank, Missouri cash savings bonds?

Will First Community Bank, Missouri cash money orders?

Can First Community Bank, Missouri issue a money order?

Does First Community Bank, Missouri do currency exchange?

Background on The Bank

Who owns First Community Bank, Missouri?

How long has First Community Bank, Missouri been around?

Can First Community Bank, Missouri transfer to other banks?

Does First Community Bank, Missouri have quick pay?

Does First Community Bank, Missouri accept rolled coins?

Will First Community Bank, Missouri accept loose change?

Where is First Community Bank, Missouri headquarters?

Customer Reviews for First Community Bank, Missouri

There are currently no comments for First Community Bank, Missouri. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →