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First Community Bank of Crawford County

Overview / Commentary
479-262-2900
2925 Alma Highway
Van Buren, AR 72956

First Community Bank of Crawford County is headquartered in Van Buren and is the 107th largest bank in the state of Arkansas. It is also the 5,718st largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 18 employees at 3 locations. First Community Bank of Crawford County has a C- health rating.

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Health

Data for Q4 2013

Institution Health

C-
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. First Community Bank of Crawford County has a relatively low asset base.

Texas Ratio

GRADE:
D

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Community Bank of Crawford County had $5.93 million in non-current loans and owned real-estate with $6.95 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Crawford County a Texas Ratio of 85.24% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for First Community Bank of Crawford County experienced no significant changes from 92.55% as of December 31, 2012 to 85.24% as of December 31, 2013, resulting in a positive change of 7.89%.This indicates that the balance sheet and financial strength for First Community Bank of Crawford County has had no significant changes in recent periods.

Deposit Growth

GRADE:
F

In the past year, First Community Bank of Crawford County has decreased its total deposits by -$17.73 million, resulting in -23.88% 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 of Crawford County has shown is poor.

Capitalization

GRADE:
A

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 of Crawford County has $61.44 million in assets with $6.95 million in equity, resulting in a capitalization level of 11.32%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #35573
Year Established2000
Employees18
Primary RegulatorFDIC
Assets and Liabilities
Assets$61.44 million
Loans$43.50 million
Deposits$56.49 million
Equity Capital$2.80 million
Loan Loss Allowance$4.15 million
Unbacked Noncurrent Loans$3.05 million
Real Estate Owned$2.88 million
Historic Data - December 2012
Assets$83.75 million
Equity Capital$5.34 million
Loan Loss Allowance$2.26 million
Unbacked Noncurrent Loans$3.05 million
Real Estate Owned$3.40 million
Profit Margin - Quarterly
Net Interest Margin4.33%
Return on Assets-3.26%
Return on Equity-54.5%
Interest Income$3.25 million
Rates

Sorry, we do not have rate data for First Community Bank of Crawford County

Locations


First Community Bank of Crawford County Locations
Fayetteville Road Branch1010 Fayetteville RoadVan Buren, AR 72956
First Community Bank Of Crawford County2925 Alma HighwayVan Buren, AR 72956
Alma Branch630 Highway 71 NorthAlma, AR 72921