First Community Bank

4300 E. Broad Street
Whitehall, OH 43213-1243
614-239-4600
www.firstcommunitybank.com

OverView
Rates
Health
Reviews

First Community Bank is a full-service commercial bank. They have provided safety and service to their customers and their community since 1903. All deposits are insured by the F.D.I.C.

2.75% 15-Month CD at First Community Bank in Chicagoland - Local Only - 6/14/2009

First Community Bank is offering a special 2.75% APY 15-month CD. This doesn't seem to be listed at the bank's website. It was advertised in today's edition of My Suburban Life newspaper. The ad is available online here. Important requirements mentioned...

4.75% 24-Month / 5.00% 36-Month CD at First Community Bank in Ohio - 11/24/2008

First Community Bank is offering several competitive CD rates. The most competitive include a 5.00% APY for terms of 36 to 60 months and a 4.75% APY for terms of 24 and 30 months. Minimum deposit is $5,000. The 24-month CD has a bump-up feature.My last...

5.05% 24-Month CD at First Community Bank in Ohio - 9/22/2008

Update 10/06/08: This CD special seems to have ended. Please check with the bank for the latest rates and specials.First Community Bank is offering a special 5.05% APY 24-month CD. The minimum deposit is $5,000. The rate table also lists longer terms...

4.25% Reward Checking Account at a North Carolina Bank (First Community) - 2/24/2008

Update 9/19/09: The top yield has increased to 4.25% APY. See bottom of post for the account history.First Community Bank is offering a reward checking account called the Backbone High Yield Checking that pays 4.25% APY for balances up to $25,000 (0.25%...

2007

6/3 - 5.51% 9-Month CD at a Texas Bank (First Community Bank)

Report an Issue

See Rates for: Checking | Savings | Money Market | CD

First Community Bank Checking Account Rates

Apy	Min	Max	Product
0.60%	$100k	-	Net Checking +
0.25%	$75k	-	Interest Checking

First Community Bank Savings Account Rates

Apy	Min	Max	Product
0.60%	$1k	-	Business Savings
0.10%	-	-	Statement Savings

First Community Bank Money Market Rates

	Apy	Min	Max	Product
	0.60%	$75k	-	HIFI Money Market

First Community Bank CD Rates

Apy	Min	Max	Product
2.00%	$5k	-	60 Month CD
1.50%	$5k	-	48 Month CD
1.45%	$5k	-	36 Month CD
1.30%	$5k	-	30 Month CD
1.20%	$5k	-	24 Month Bump-Up CD
1.00%	$5k	-	18 Month CD
0.85%	$1k	-	12 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

First Community Bank
FDIC Certificate #	17520
BankRate Report	View
Year Established	1903
Employees	32
Primary Regulator	FDIC
Assets and Liabilities
Assets	$115.98 million
Loans	$82.72 million
Deposits	$97.44 million
Equity Capital	$12.27 million
Loan Loss Allowance	$2.16 million
Unbacked Noncurrent Loans	$4.99 million
Real Estate Owned	$779,000
Historic Data - September 2010
Assets	$116.52 million
Equity Capital	$12.19 million
Loan Loss Allowance	$1.72 million
Unbacked Noncurrent Loans	$4.11 million
Real Estate Owned	$680,000
Profit Margin - Quarterly
Net Interest Margin	3.83%
Return on Assets	0.1%
Return on Equity	0.93%
Interest Income	$4.63 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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 September 30, 2011 First Community Bank had $5.77 million in non-current loans and owned real-estate with $14.43 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank a Texas Ratio of 39.97% which is below 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 increased slightly from 34.44% as of September 30, 2010 to 39.97% as of September 30, 2011, resulting in a negative change of 16.06%. This indicates that the balance sheet and financial strength for First Community Bank has declined slightly in recent periods.
Deposit Growth
In the past year, First Community Bank has decreased its total deposits by $-559,000, resulting in -0.57% 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 has shown is average.
Capitalization
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 has $115.98 million in assets with $14.43 million in equity, resulting in a capitalization level of 12.44%, which is excellent.