First Community Bank

Headquarters: Batesville, Arkansas
Charter: Bank
Assets: $3.6B
Fed district: St. Louis
Regulator: FDIC
Holding company: First Community Bancshares Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 7, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 7, 2026

How these figures are measured

Call-report figures are for First Community Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Community Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 7, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Community Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.9M in Q2 2026, 14% above the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
First Community Bank: $32 to $35
First Community Bank: $32 to $35
U.S. median: no median
NSF / Returned Item
First Community Bank: $32
First Community Bank: $32
U.S. median: no median
Non-Network ATM
First Community Bank: $1
First Community Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 4.6% from Q3 2025 to Q2 2026, to $1.9M.

Service-charge income, Q2 2026

$1.9M

$1.8MQ3 2025

$1.9MQ4 2025

$1.8MQ1 2026

$1.9MQ2 2026

Against the median

First Community BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Community Bank · $3.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$3.3B to $3.9B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Community Bank(this institution)	Batesville, AR	$3.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banco do Brasil Americas	Miami, FL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of the Sierra	Porterville, CA	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Utah	Ogden, UT	$3.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bankwell Bank	New Canaan, CT	$3.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banterra Bank	Marion, IL	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Capital Bank, National Association	Rockville, MD	$3.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Colony Bank	Fitzgerald, GA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Capital Bank, SSB	Houston, TX	$3.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Community Bank	Bluefield, VA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Dakota National Bank	Yankton, SD	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Guaranty Bank	Hammond, LA	$3.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First PREMIER Bank	Sioux Falls, SD	$3.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frandsen Bank & Trust	Lonsdale, MN	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gulf Coast Bank and Trust Company	New Orleans, LA	$3.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Bank, National Association	Lafayette, LA	$3.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank of Kentucky	Owensboro, KY	$3.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manasquan Bank	Manasquan, NJ	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MVB Bank, Inc	Fairmont, WV	$3.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Bank & Trust Company	Woburn, MA	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Old Plank Trail Community Bank, National Association	New Lenox, IL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security Bank of Kansas City	Kansas City, KS	$3.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Community Bank does not publish a monthly maintenance fee in the index.

The peer median is $9 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Community Bank does not publish a monthly maintenance fee, so it is not on this chart.

First Community BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Community Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.9M
vs prior quarter: +$100K+5.5%; from Q1 2026
vs a year earlier: +$233K+13.8%; from Q2 2025
vs start of range: +$377K+24.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Community Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.9M	+$100K	+5.5%
Q1 2026	$1.8M	−$56K	−3.0%
Q4 2025	$1.9M	+$41K	+2.2%
Q3 2025	$1.8M	+$148K	+8.7%
Q2 2025	$1.7M	+$63K	+3.9%
Q1 2025	$1.6M	−$68K	−4.0%
Q4 2024	$1.7M	+$149K	+9.6%
Q3 2024	$1.6M	+$44K	+2.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (Closed Within 6 Mos)$25
Checking Acct-Inactive for 12 months$5
Savings Acct-Inactive for 24 months$15
Return Mail Fee$20

Overdraft & NSF

Overdraft (OD)$35
Overdraft Fee$32
Returned Item Fee$32

ATM & Card

Non FCB ATM Balance Inq All Other Networ$1
Non FCB ATM Fees Cash WD All Other Netwo$1
Replacement Fee ATM/Check Card$5
per item

Wire Transfers

Outgoing Wire Fee (Customer)$25
Incoming Wire Fee (Customer)$15
Foreign Wire Fee (Customer)$60

Check Services

Stop Payments$32
Non-Customer Check Cashing$2

Digital & Electronic

BillPay Inactivity Fee (per calendar mo)$4.95

Account Services

Notary Service (Non-Customer)$2
Safe Deposit Box Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box Lock Replacement$50
Not compared: Box drilling or key fee
Levy/Garnishment Fee$75

Other Fees

Copy of Statement or Print Out$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (Closed Within 6 Mos)	$25	Not stated	None
Checking Acct-Inactive for 12 months	$5	Not stated	None
Savings Acct-Inactive for 24 months	$15	Not stated	None
Return Mail Fee	$20	Not stated	None
Overdraft & NSF
Overdraft (OD)	$35	Not stated	None
Overdraft Fee	$32	Not stated	None
Returned Item Fee	$32	Not stated	None
ATM & Card
Non FCB ATM Balance Inq All Other Networ	$1	Not stated	None
Non FCB ATM Fees Cash WD All Other Netwo	$1	Not stated	None
Replacement Fee ATM/Check Card	$5	per item	None
Wire Transfers
Outgoing Wire Fee (Customer)	$25	Not stated	None
Incoming Wire Fee (Customer)	$15	Not stated	None
Foreign Wire Fee (Customer)	$60	Not stated	None
Check Services
Stop Payments	$32	Not stated	None
Non-Customer Check Cashing	$2	Not stated	None
Digital & Electronic
BillPay Inactivity Fee (per calendar mo)	$4.95	Not stated	None
Account Services
Notary Service (Non-Customer)	$2	Not stated	None
Safe Deposit Box Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lock Replacement	$50Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment Fee	$75	Not stated	None
Other Fees
Copy of Statement or Print Out	$2	Not stated	None

Correct a fee source

Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Community Bank operates, and what regulators and customers have on file.

Market position

In Jonesboro, AR, First Community Bank holds 9.9% of bank deposits, #2 of 25, with 7 offices.

Compare fees with the 19 Jonesboro, AR banks and credit unions in its home-metro peer set →

Offices in the metro

66 offices of 28 institutions shown.

First Community BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Jonesboro, AR metro (FDIC metro code 27860), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Centennial Bank17.6%
2First Community Bank9.9%
3Simmons Bank8.6%
4First National Bank8.2%
5First Horizon Bank7.3%
6First Security Bank4.4%
7Regions Bank4.3%
8Bank of America, National Association3.7%

8 of 25 institutions shown. $4.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Jonesboro, AR metro (FDIC metro code 27860)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2014 to 2026

June 2026: 9.9% share, 7 offices, #2 of 25

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2014 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2014 to 2026
Area: Jonesboro, AR metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

3 offices of 3 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Civil Money Penalty $2,000March 22, 2001
Federal Reserve · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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