First Community Bank Mortgage Rates, Fees & Info

Batesville, AR

LEI: 549300IEIM2IT5YK4368

Tax ID: 71-0799734

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

First Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First Community Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Little Rock, Jonesboro, Batesville, Searcy, and Joplin among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.79%	11/21/24
30 Year Conventional Refi	6.83%	11/21/24
30 Year Cash-out Refi	6.87%	11/21/24
30 Year FHA Purchase	7.43%	11/21/24
30 Year FHA Refi	7.39%	11/21/24
30 Year VA Purchase	6.30%	11/21/24
30 Year VA Refi	6.01%	11/21/24
30 Year USDA Purchase	6.72%	11/21/24
15 Year Conventional Purchase	6.58%	11/21/24
15 Year Conventional Refi	6.59%	11/21/24
15 Year Cash-out Refi	6.59%	11/21/24
15 Year FHA Purchase	5.68%	11/21/24
15 Year VA Refi	6.13%	11/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Community Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

1,725

Origination Dollar Volume (All Markets)

$315,975,000

Employee count

415

Awards

First Community Bank 30 Year Conventional Loans bronze

First Community Bank 30 Year Conventional Loans gold

Show all (11) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	227	$66,675,000	$293,722	$3,792	3.83%
JONESBORO, AR (FHA\|USDA\|VA)	252	$55,670,000	$220,913	$3,991	3.53%
Batesville, AR (FHA\|USDA\|VA)	365	$51,885,000	$142,151	$3,262	3.91%
Searcy, AR (FHA\|USDA\|VA)	252	$38,440,000	$152,540	$3,480	3.84%
Outside of Metro Areas	201	$30,385,000	$151,169	$3,355	4.08%
JOPLIN, MO (FHA\|USDA\|VA)	191	$26,805,000	$140,340	$3,866	4.38%
Harrison, AR (FHA\|USDA\|VA)	71	$10,695,000	$150,634	$3,439	4.07%
Mountain Home, AR (FHA\|USDA\|VA)	53	$8,635,000	$162,925	$2,654	4.43%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	35	$7,375,000	$210,714	$4,236	3.52%
Paragould, AR (FHA\|USDA\|VA)	21	$5,075,000	$241,667	$3,880	3.42%
HOT SPRINGS, AR (FHA\|USDA\|VA)	5	$2,185,000	$437,000	$0	4.95%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	3	$2,145,000	$715,000	$6,458	3.46%
Pittsburg, KS (FHA\|USDA\|VA)	7	$1,105,000	$157,857	$5,181	4.18%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	6	$1,090,000	$181,667	$3,268	2.85%
PINE BLUFF, AR (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$0	4.50%
SPRINGFIELD, MO (FHA\|USDA\|VA)	7	$935,000	$133,571	$1,985	3.55%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$710,000	$355,000	$5,787	3.31%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	3	$495,000	$165,000	$2,451	3.33%
Russellville, AR (FHA\|USDA\|VA)	3	$485,000	$161,667	$1,066	5.33%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$470,000	$235,000	$2,880	2.56%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$435,000	$435,000	$4,550	2.50%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$335,000	$335,000	$3,564	3.25%
Stephenville, TX (FHA\|USDA\|VA)	1	$315,000	$315,000	$6,217	2.63%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	1	$285,000	$285,000	$5,069	2.50%
Blytheville, AR (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,917	3.50%
Miami, OK (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,391	3.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,581	2.38%
Bartlesville, OK (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,355	1.88%
El Dorado, AR (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,156	3.63%
TYLER, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,782	2.38%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,722	2.88%
MONROE, LA (FHA\|USDA\|VA)	1	$185,000	$185,000	$1,796	4.50%
Parsons, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	5.50%
Oxford, MS (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	2.50%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,035	2.50%
West Plains, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.95%
Branson, MO (FHA\|USDA\|VA)	2	$50,000	$25,000	$0	6.07%

First Community Bank's top markets include Little Rock, Jonesboro, Batesville, Searcy, and Joplin among others.

Their top states include:

Arkansas (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Kansas (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against First Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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FIRST WESTERN MORTGAGE, INC.
Similarity Rank: 585

Oakstar Bank
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TELCOE FEDERAL CREDIT UNION
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,560	$291,010,000	$186,545	$3,277	4.02%
FHA	70	$10,820,000	$154,571	$6,522	2.94%
USDA	69	$8,515,000	$123,406	$4,457	2.83%
VA	26	$5,630,000	$216,538	$5,673	2.83%

For 2020, First Community Bank's most frequently originated type of loan was Conventional, with 1,560 originations. Their 2nd most popular type was FHA, with 70 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	833	$156,225,000	$187,545	$3,695	4.20%
Refi	642	$123,230,000	$191,947	$3,480	3.48%
Cash Out Refi	159	$30,135,000	$189,528	$4,208	3.02%
Home Improvement	71	$4,815,000	$67,817	$1,226	5.80%
Other	20	$1,570,000	$78,500	$1,145	5.67%

For 2020, First Community Bank's most frequently cited loan purpose was Home Purchase, with 833 originations. The 2nd most popular reason was Refi, with 642 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	763	$141,205,000	$185,066	$4,051	3.18%
15 Year	262	$45,520,000	$173,740	$3,431	2.90%
5 Year	225	$39,395,000	$175,089	$1,179	5.03%
Other	177	$28,665,000	$161,949	$2,102	5.22%
1 Year	114	$38,630,000	$338,860	$1,693	5.40%
3 Year	93	$11,435,000	$122,957	$1,019	5.36%
20 Year	67	$9,515,000	$142,015	$2,620	4.12%
10 Year	24	$1,610,000	$67,083	$2,134	4.69%

For 2020, First Community Bank's most frequently cited loan duration was 30 Year, with 763 originations. The 2nd most popular length was 15 Year, with 262 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$2k-3k	426	$70,430,000	$165,329
$1k-2k	354	$55,870,000	$157,825
$<1k	262	$37,470,000	$143,015
$3k-4k	153	$37,695,000	$246,373
$4k-5k	32	$11,160,000	$348,750
$5k+	14	$6,840,000	$488,571

First Community Bank's average total fees were $4,051, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 426 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	448	$83,840,000	$187,143
3-4%	318	$81,780,000	$257,170
5-6%	297	$29,855,000	$100,522
4-5%	277	$56,395,000	$203,592
<2.5%	269	$54,275,000	$201,766
6-7%	88	$7,830,000	$88,977
7-8%	25	$1,735,000	$69,400
Over 8%	3	$265,000	$88,333

During 2020, First Community Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 2.5-3%, with 448 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	697	$101,805,000	$146,062	$3,574	3.50%
$100,000 or less	554	$33,720,000	$60,866	$2,282	4.90%
$200k-400k	391	$103,265,000	$264,105	$4,347	3.26%
$400k-600k	58	$27,540,000	$474,828	$5,022	3.62%
$1MM+	13	$39,875,000	$3,067,308	$12,036	4.11%
$600k-1MM	12	$9,770,000	$814,167	$2,635	4.43%

2020 saw First Community Bank place emphasis on $100k-200k loans with 697 originations, totaling $101,805,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	343	$48,545,000	$141,531	$3,629	3.64%
$50k or less	334	$35,430,000	$106,078	$3,296	3.92%
$100k-150k	276	$53,010,000	$192,065	$3,760	3.61%
$75k-100k	248	$39,280,000	$158,387	$3,706	3.78%
$150k-250k	131	$31,185,000	$238,053	$4,069	3.39%
$250k+	66	$20,730,000	$314,091	$3,673	3.76%

First Community Bank lent most frequently to those with incomes in the $50k-75k range, with 343 originations. The second most popular income band? $50k or less, with 334 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	381	$66,385,000	$174,239	$3,426	3.44%
30-36%	221	$36,965,000	$167,262	$3,585	3.42%
<20%	192	$32,010,000	$166,719	$3,145	3.62%
38%	48	$8,100,000	$168,750	$3,413	3.70%
40%	45	$7,515,000	$167,000	$3,865	3.27%
37%	44	$7,380,000	$167,727	$3,846	3.47%
42%	43	$8,085,000	$188,023	$4,210	3.19%
39%	43	$7,625,000	$177,326	$3,763	3.60%
36%	38	$6,490,000	$170,789	$3,314	3.67%
44%	37	$7,295,000	$197,162	$3,905	3.33%
41%	29	$5,095,000	$175,690	$3,895	3.61%
43%	29	$5,015,000	$172,931	$3,561	3.26%
45%	25	$4,335,000	$173,400	$4,003	3.39%
46%	19	$3,245,000	$170,789	$4,064	3.20%
48%	15	$2,865,000	$191,000	$5,217	3.03%
49%	15	$3,885,000	$259,000	$4,993	2.73%
47%	14	$2,460,000	$175,714	$3,855	3.12%
50-60%	11	$1,965,000	$178,636	$4,786	3.82%
>60%	6	$740,000	$123,333	$3,045	3.40%

First Community Bank lent most frequently to those with DTI ratios of 20-30%, with 381 originations. The next most common DTI ratio? 30-36%, with 221 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,427	$233,385,000	$163,549	$3,580	3.72%
Not applicable	249	$72,795,000	$292,349	$2,342	5.02%
Not provided	19	$4,505,000	$237,105	$3,380	3.62%
Black	15	$2,805,000	$187,000	$3,394	3.38%
Asian	6	$1,370,000	$228,333	$5,808	3.76%
American Indian	5	$815,000	$163,000	$4,370	2.53%
Asian Indian	1	$165,000	$165,000	$0	3.88%
Other Pacific Islander	3	$135,000	$45,000	$1,407	6.17%

Approval Rates

Total approvals of all applications
90.73%

First Community Bank has an average approval rate.

Pick Rate

Approvals leading to origination
80.87%

First Community Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
100.0	2	$40,000	$20,000
112.0	1	$65,000	$65,000
12.0	1	$55,000	$55,000
186.0	2	$80,000	$40,000
315.5	1	$35,000	$35,000
NA	1,718	$315,700,000	$183,760

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	3	$1,635,000	$545,000
Multifamily:Site-Built	46	$48,670,000	$1,058,043
Single Family (1-4 Units):Manufactured	71	$4,455,000	$62,746
Single Family (1-4 Units):Site-Built	1,605	$261,215,000	$162,751

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	73	$7,475,000	$102,397	$2,191	4.62%
40-60%	188	$27,480,000	$146,170	$2,911	3.92%
60-80%	672	$135,590,000	$201,771	$3,521	3.84%
80-100%	744	$140,320,000	$188,602	$3,973	3.80%
Over 100%	7	$1,405,000	$200,714	$6,468	3.50%
Under 20%	41	$3,705,000	$90,366	$794	5.81%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
FIRST HORIZON BANK	Other type of mortgage	Struggling to pay mortgage	1	6.7%
FIRST HORIZON BANK	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	6.7%
FIRST HORIZON BANK	Conventional home mortgage	Closing on a mortgage	1	6.7%
FIRST HORIZON BANK	Conventional home mortgage	Trouble during payment process	4	26.7%
FIRST HORIZON BANK	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	3	20.0%
FIRST HORIZON BANK	Home equity loan or line of credit (HELOC)	Trouble during payment process	1	6.7%
FIRST HORIZON BANK	Other type of mortgage	Closing on a mortgage	2	13.3%
FIRST HORIZON BANK	Other type of mortgage	Trouble during payment process	2	13.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
First Community Bank	102 South Main Street Cave City, AR 72521	Full Service B&M	$21,954
First Community Bank	1 Iroquois Drive Cherokee Village, AR 72529	Full Service B&M	$36,883
First Community Bank	1089 Front Street Conway, AR 72032	Full Service B&M	$4,514
First Community Bank	11 Prospect Court Cabot, AR 72023	Full Service B&M	$10,504
First Community Bank	110 E Main St Goodman, MO 64843	Full Service B&M	$25,397
First Community Bank	111 E. Main Street Neosho, MO 64850	Full Service B&M	$57,008
First Community Bank	1325 Harrison Street Batesville, AR 72501	Full Service B&M	$367,513
First Community Bank	159 Highway 167 Bald Knob, AR 72010	Full Service B&M	$58,012
First Community Bank	1617 S. Caraway Road Jonesboro, AR 72401	Full Service B&M	$90,953
First Community Bank	202 Greenwood Avenue Lepanto, AR 72354	Full Service B&M	$33,465
First Community Bank	21196 U.S. Highway 71 Pineville, MO 64856	Full Service B&M	$14,655
First Community Bank	220 East Ridge Ave Harrison, AR 72601	Full Service B&M	$4,425
First Community Bank	222 East Washington Avenue Jonesboro, AR 72401	Full Service B&M	$5,230
First Community Bank	2401 West Beebe-Capps Expressway Searcy, AR 72143	Full Service B&M	$138,402
First Community Bank	2525 Mclain Street Newport, AR 72112	Full Service B&M	$22,241
First Community Bank	2801 E Race Ave Searcy, AR 72143	Full Service B&M	$52,315
First Community Bank	3 Eagle Mountain Blvd. Batesville, AR 72501	Full Service B&M	$16,527
First Community Bank	3005 Gardner-Edgewood Drive Neosho, MO 64850	Full Service B&M	$42,634
First Community Bank	301 E. Main Street Batesville, AR 72501	Full Service B&M	$1,611
First Community Bank	306 Elder Street Bay, AR 72411	Full Service B&M	$10,208
First Community Bank	3084 Bill Foster Memorial Highway Cabot, AR 72023	Full Service B&M	$44,180
First Community Bank	310 Hwy 62 E Mountain Home, AR 72653	Full Service B&M	$66,259
First Community Bank	4900 Kavanaugh Boulevard Little Rock, AR 72207	Full Service B&M	$20,756
First Community Bank	630 Southwest Drive Jonesboro, AR 72401	Full Service B&M	$145,973
First Community Bank	800 East Beebe Capps Expressway Searcy, AR 72143	Full Service B&M	$38,419
First Community Bank	8201 Ranch Blvd, Suite B4 Little Rock, AR 72223	Full Service B&M	$1,563
First Community Bank	One Allen Chapel Road Batesville, AR 72501	Full Service B&M	$14,118

For 2020, First Community Bank had 27 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$74,201
Net interest income	$56,221
Total noninterest income	$17,945
Gross Fiduciary activities income	$1,002
Service charges on deposit accounts	$3,579
Trading account gains and fees	$0
Additional Noninterest Income	$13,364
Pre-tax net operating income	$20,407
Securities gains (or losses, -)	$154
Income before extraordinary items	$16,167
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$16,167
Minority interest net income	$0
Net income	$16,167
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$16,045

First Community Bank's gross interest income from loans was $74,201,000.
First Community Bank's net interest income from loans was $56,221,000.
First Community Bank's fee based income from loans was $3,579,000.
First Community Bank's net income from loans was $16,167,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$17,980
Provision for credit losses	$4,850
Total noninterest expense	$48,909
Salaries and employee benefits	$30,220
Premises and equipment expense	$6,003
Additional noninterest expense	$12,686
Applicable income taxes	$4,394
Net charge-offs	$2,209
Cash dividends	$5,300

First Community Bank's interest expense for loans was $17,980,000.
First Community Bank's payroll and benefits expense were $30,220,000.
First Community Bank's property, plant and equipment expenses $6,003,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	1.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,468,202
Deposits held in domestic offices	$1,468,202
Deposits by Individuals, partnerships, and corporations	$1,249,067
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$219,135
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$28,862
Demand deposits	$24,173
Nontransaction accounts	$1,439,340
Money market deposit accounts (MMDAs)	$154,004
Other savings deposits (excluding MMDAs)	$668,874
Total time deposits	$616,462
Total time and savings deposits	$1,444,029
Noninterest-bearing deposits	$234,584
Interest-bearing deposits	$1,233,618
Retail deposits	$1,310,847
IRAs and Keogh plan accounts	$65,102
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,808,025
Cash & Balances due from depository institutions	$114,741
Interest-bearing balances	$95,160
Total securities	$235,794
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,364,242
Loan and leases loss allowance	$15,774
Trading account assets	$0
Bank premises and fixed assets	$52,447
Other real estate owned	$4,374
Goodwill and other intangibles	$778
All other assets	$35,649

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,808,025
Total Liabilities	$1,649,398
Total deposits	$1,468,202
Interest-bearing deposits	$1,233,618
Deposits held in domestic offices	$1,468,202
% insured (estimated)	$80
Federal funds purchased and repurchase agreements	$34,055
Trading liabilities	$0
Other borrowed funds	$141,181
Subordinated debt	$0
All other liabilities	$5,960

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,364,242
Loan and leases loss allowance	$15,774
Total loans and leases (domestic)	$1,380,016
All real estate loans	$1,038,079
Real estate loans in domestic offices	$1,038,079
Construction and development loans	$177,800
Residential 1-4 family construction	$50,907
Other construction, all land development and other land	$126,893
Loans secured by nonfarm nonresidential properties	$392,033
Nonfarm nonresidential secured by owner-occupied properties	$262,047
Commercial real estate & other non-farm, non-residential	$129,986
Multifamily residential real estate	$51,935
1-4 family residential loans	$341,999
Farmland loans	$74,312
Loans held in foreign offices	$0
Farm loans	$13,465
Commercial and industrial loans	$235,598
To non-U.S. addressees	$0
Loans to individuals	$71,035
Credit card loans	$4,520
Related Plans	$1,537
Consumer Auto Loans	$6,138
Other loans to individuals	$58,840
All other loans & leases	$21,839
Loans to foreign governments and official institutions	$0
Other loans	$565
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$7,502
Non 1-4 family restructured loans & leases	$7,302
Total loans and leases (foreign)	$0

First Community Bank had $1,364,242,000 of loans outstanding in 2020. $1,038,079,000 of loans were in real estate loans. $177,800,000 of loans were in development loans. $51,935,000 of loans were in multifamily mortgage loans. $341,999,000 of loans were in 1-4 family mortgage loans. $13,465,000 of loans were in farm loans. $4,520,000 of loans were in credit card loans. $6,138,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	692	$141,403	$204,340
Nonfarm, nonresidential loans - <$100k	199	$8,927	$44,859
Nonfarm, nonresidential loans - $100-250k	229	$29,638	$129,424
Nonfarm, nonresidential loans - $250k-1MM	264	$102,838	$389,538
Commercial & Industrial, US addressed loans - <$1MM	4,530	$126,933	$28,021
Commercial & Industrial, US addressed loans - <$100k	4,148	$54,328	$13,097
Commercial & Industrial, US addressed loans - $100-250k	239	$26,743	$111,895
Commercial & Industrial, US addressed loans - $250k-1MM	143	$45,862	$320,713
Farmland loans - <$1MM	351	$39,657	$112,983
Farmland loans - <$100k	166	$7,556	$45,518
Farmland loans - $100-250k	123	$15,856	$128,911
Farmland loans - $250k-1MM	62	$16,245	$262,016
Agriculture operations loans - <$1MM	324	$12,011	$37,071
Agriculture operations loans - <$100k	284	$5,840	$20,563
Agriculture operations loans - $100-250k	26	$2,948	$113,385
Agriculture operations loans - $250k-1MM	14	$3,223	$230,214