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First Community Bank (CA)

First Community Bank (CA)
Overview / Commentary
438 First Street
Santa Rosa, CA 95404

First Community Bank (CA) is headquartered in Santa Rosa and is the 63rd largest bank in the state of California. It is also the 852nd largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 103 employees at 8 locations. First Community Bank (CA) has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Community Bank (CA) had $27.91 million in non-current loans and owned real-estate with $100.78 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank (CA) a Texas Ratio of 27.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Community Bank (CA) decreased dramatically from 42.20% as of March 31, 2013 to 27.69% as of March 31, 2014, resulting in a positive change of 34.38%.This indicates that the balance sheet and financial strength for First Community Bank (CA) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Community Bank (CA) has increased its total deposits by $133.08 million, resulting in 25.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community Bank (CA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community Bank (CA) has $804.11 million in assets with $100.78 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

Institution Statistics

FDIC Certificate #57903
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$804.11 million
Loans$553.91 million
Deposits$648.94 million
Equity Capital$86.69 million
Loan Loss Allowance$14.09 million
Unbacked Noncurrent Loans$11.21 million
Real Estate Owned$16.70 million
Historic Data - March 2013
Assets$648.39 million
Equity Capital$71.49 million
Loan Loss Allowance$15.14 million
Unbacked Noncurrent Loans$11.21 million
Real Estate Owned$18.37 million
Profit Margin - Quarterly
Net Interest Margin3.86%
Return on Assets1.83%
Return on Equity17.07%
Interest Income$8.42 million

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First Community Bank (CA) Locations
Petaluma Branch100 Second StreetPetaluma, CA 94952
Corte Madera Branch137 Corte Madera Town CenterCorte Madera, CA 94925
Varenna Branch1401 Fountaingrove ParkwaySanta Rosa, CA 95403
East Petaluma Branch157 N Mcdowell BlvdPetaluma, CA 94954
Walnut Creek Branch1940 Tice Valley BoulevardWalnut Creek, CA 94595
Alameda Branch2531 Blanding AvenueAlameda, CA 94501
First Community Bank438 First StreetSanta Rosa, CA 95404
Oakmont Branch6580 Oakmont DriveSanta Rosa, CA 95409