🏦Bank Scorer

FIRST COMMUNITY BANK

SAN BENITO, TX · Supervised by FDIC

Est. 1979FDIC #22,964RSSD: FDIC-22964
Part ofFIRST SAN BENITO BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.71%

Institution Profile

FDIC BankFind

Address

1151 W Us Highway 77, SAN BENITO, TX

County

Cameron County

Established

October 1, 1979

Total Assets

$794M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$794M

Total Deposits

$702M

Net Loans

$461M

Net Income

$3M

ROA

1.71%

ROE

20.05%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$668M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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