First Community Bank

What First Community Bank does

First Community Bank is a privately held regional community bank founded in 1997 and headquartered in Batesville, Arkansas. It provides a full suite of retail and commercial banking services across Arkansas and Missouri through a network of 35+ branch locations, supported by online and mobile banking platforms (FirstLink, Mobile First app). The bank serves individual consumers, small to medium businesses, ag

Name

First Community Bank

Legal name

First Community Bank

Website

https://firstcommunity.net

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

501–1,000 employees

Short description

First Community Bank is a privately held regional community bank founded in 1997, headquartered in Batesville, Arkansas, serving retail consumers, small businesses, commercial borrowers, and agricultural clients across 35+ branches in Arkansas and Missouri with deposits, lending, treasury management, insurance, and trust services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Retail deposit accounts
• Mortgage lending
• Treasury management
• Wealth management services

Headquarters

HQ city

Batesville

HQ country

United States

HQ region

North America

Offices23 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income - Loans: Primary revenue from interest and fees on loans including commercial, real estate, construction, agricultural, and consumer loans
2. Interest Income - Securities: Interest and dividend income on investment securities portfolio
3. Deposit Service Charges: Fees charged on deposit accounts including service charges and maintenance fees
4. Other Noninterest Income: Fees from trust services, mortgage banking, insurance commissions, and other banking services

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

First Community Bank is a privately held community bank that provides personal and business banking services including checking, savings, money market accounts, CDs, IRAs, HSAs, debit and credit cards, consumer and commercial loans, mortgages, treasury management, merchant services, insurance, and trust and wealth management. It operates 35+ branches across Arkansas and Missouri supported by FirstLink online banking, a mobile banking app, Zelle P2P payments, mobile deposit, and online account opening.

Product overview

First Community Bank operates as a regional community bank offering a unified financial services platform across Arkansas and Missouri with 40+ branch locations. The core product portfolio centers on deposit products (checking and savings accounts), lending services (consumer, mortgage, and business loans), and treasury management services. Adjacent offerings include Trust & Wealth Management, Community Insurance (independent agency), and a Teen Account sub-product with parental controls. The bank also maintains community engagement initiatives like the Bloom With Us pollinator garden program. Key sub-brands and products include the Pinnacle Business Credit Card, Bloom With Us Green Account, Veterans Benefits Banking Program, and Community Choice Checking with reward incentives. Mobile and online banking services (FirstLink) provide digital access to accounts with Zelle P2P payments, mobile deposit, and bill pay capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Community Insurance: Independent insurance agency offering personal and business insurance solutions, including property, auto, life, health, and commercial coverage.
• Trust & Wealth Management

Products and services

• Treasury Management Services Comprehensive cash management solution for businesses providing receivables management (ACH, lockbox, merchant services, remote deposit), payables solutions (ACH credits, bill pay, business credit card, wire transfers), fraud mitigation (positive pay for checks and ACH, online administration), information reporting (account reconciliation, Autobooks), and liquidity management (loan sweep, zero balance account).
• Trust & Wealth Management Full-service trust administration including personal trust services, estate planning, investment management, estate settlement, employee benefit services, custody and agency, corporate trust, charitable giving, escrow services, IRAs, and guardianships.
• Mortgage Lending Home mortgage loan services including conventional loans, first-time homebuyer loans (with down payment assistance and $0 down options), VA loans, FHA loans, rural development/USDA loans, and jumbo loans. Offers no-cost applications and online application process with mobile app support.
• Community Insurance Independent insurance agency offering personal insurance (home, auto, rental properties, mobile home, boat, life, motorcycle, personal liability umbrellas, health, farm) and business insurance (property & casualty, business auto, farm & ranch, workers compensation, general liability, contractors, builder's risk, truckers/cargo, bonds, cyber insurance).
• Pinnacle Business Credit Card Cash back business credit card offering 1% cash back on all purchases with point redemption for airline tickets, hotel stays, and merchandise through Scorecard Rewards. Features local credit decisions and customer service.
• Teen Account Checking account designed for students 11 and up featuring dual parent/teen views, parental debit card controls, alerts and notifications, joint ownership, personal debit card, mobile wallet, ATM access, mobile check deposit, and easy savings transfers.
• Community Choice Checking Interest-bearing checking account for new customers with up to $200 in rewards ($100 for direct deposit, $100 for 15 debit card purchases), requiring new money from another institution.
• Veterans Benefits Banking Program Banking program for veterans offering free GenGold membership, 50% discount on safe deposit box rental, 0.25% interest rate discount on consumer loans, free retirement consultation, and hero-themed debit card.
• Individual Retirement Accounts (IRAs) Retirement savings accounts with $100 minimum to open, invested in fixed-rate CDs with maturities from 30 days to 5 years, with specialized professional guidance available.
• Health Savings Account (HSA) Tax-advantaged account for out-of-pocket medical expenses available to individuals with high-deductible health plans, with tax-free contributions, earnings, and withdrawals for qualified medical expenses.
• Bloom With Us Green Account Eco-focused checking account with interest earnings requiring 12 debit card transactions, eStatement enrollment, and direct deposit of at least $200 per qualification cycle.

Named customers1 record

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered flagship, core and minor.

• Jonesboro Advertising & Promotion CommissionflagshipGTM or Marketing Partner · 25 June 202615-year naming rights partnership worth $4,525,000 for Ridge Athletics Center, renamed First Community Bank Sportsplex. The 200,000-square-foot facility opening early 2027 will feature 12 basketball courts, Olympic-sized natatorium, and events center, positioning Jonesboro as regional sports tourism destination.
• The Sports Facilities CompaniescoreImplementation/ SI/ Consulting Partner · 25 June 2026Venue management company overseeing First Community Bank Sportsplex operations, bookings, and event coordination.
• P. Allen SmithminorStrategic or Co-development PartnerConservationist and garden designer partnership for Bloom With Us pollinator gardens installed at multiple First Community Bank branch locations across Arkansas and Missouri.

Scale indicators9 records

Recent moves26 records

Expansion highlights6 records

Broad incumbents

• JPMorgan Chase:
• Regions Bank: Large regional bank with significant Arkansas and Missouri branch presence offering full banking, mortgage, wealth management — directly competing with First Community's product set but at much larger scale.
• Bank of America: National incumbent competing for consumer deposits, mortgages, and small business banking across Arkansas and Missouri; offers comparable product breadth via digital channels and physical branches.

Direct peers

• Arvest Bank: Major Arkansas-based community banking franchise with multi-state presence (AR, MO, OK, KS), directly competing with First Community in Northwest Arkansas and southern Missouri markets.
• Simmons First National Bank: Arkansas-headquartered regional bank with comparable community banking model across AR/MO, similar product breadth (deposits, lending, treasury, trust), and overlapping branch footprint in Northeast Arkansas.
• Bank of the Ozarks (now Bank OZK): Arkansas-originated community/commercial bank with strong CRE and commercial lending focus, directly competing in the same Arkansas metropolitan and rural markets.
• Centennial Bank: Arkansas-headquartered community bank with similar size and product mix (deposits, mortgage, commercial lending), competing for the same regional customers across central Arkansas.
• First Security Bank: Arkansas-based community bank serving similar small business and consumer segments with branches concentrated in central and northern Arkansas, directly competing for the same regional deposit and loan customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xfacebook.com/wearefirstcommunitybank
• Facebookfacebook.com/wearefirstcommunitybank
• LinkedInlinkedin.com/company/firstcommunitybankar
• Instagraminstagram.com/firstcommunitybank1

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Community Bank