First Community Bank is a bank based in San Benito, Texas, established in 1979, with $794 million in total assets across 9 branches. By Trust Grade it ranks 257th of 349 banks we track in Texas. Its capital ratio of 8.6% trails most similarly sized banks (23th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.71% return on assets. No consumer complaints against First Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Community Bank compares to Texas peers
How we graded First Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Strongly profitable (ROA 1.71%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1151 W Us Highway 77, San Benito, TX 78586
- 806 S 77 Sunshine Strip, Harlingen, TX 78550
- 205 E Ocean Blvd, Los Fresnos, TX 78566
- 600 S Sam Houston Blvd, San Benito, TX 78586
- 405 North Stuart Place Road, Harlingen, TX 78552
- 470 E Morrison Rd, Brownsville, TX 78526
- 729 E Hidalgo Ave, Raymondville, TX 78580
- 8000 N 10th St, Mcallen, TX 78504
- 2701 Padre Blvd, South Padre Island, TX 78597
Are deposits at First Community Bank insured?
Yes. First Community Bank is an FDIC-insured bank (FDIC certificate #22964). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Community Bank: frequently asked questions
Is First Community Bank a good bank?
First Community Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Strongly profitable (ROA 1.71%).
Is First Community Bank FDIC-insured?
Yes. First Community Bank is a FDIC-insured bank (FDIC certificate #22964). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Community Bank?
First Community Bank holds $794 million in total assets, ranking 257th of 349 banks we track in Texas. It operates 9 branches.
Does First Community Bank have CFPB complaints?
No CFPB complaints against First Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
