First Community Bank

What First Community Bank does

First Community Bank is a privately held, Texas state-chartered community bank founded in 1983 in Alice, Texas, and headquartered at 500 N. Water St., Corpus Christi. It operates 12 full-service branches across South Texas and the Texas Gulf Coast (Corpus Christi with 4 locations, Alice, Kingsville, Portland, Padre Island, Premont, Pearland, Rockport, and Victoria), supported by an Interactive Teller Machine (ITM) network and a U.S. toll-free contact center.

The bank's product portfolio covers personal and business deposit accounts (Community Checking, Community Interest Checking, Community Gold, Money Market Plus, Kids/Teens Club, multiple business checking and savings tiers, CDs, IRAs), residential mortgages originated through a dedicated Home Loan Center (NMLS# 458782), and SBA lending as a designated SBA Preferred Lender (7(a), 504, SBA Express, Patriot Express), plus agricultural, commercial, construction, and equipment loans. Treasury management services (ACH origination, positive pay, remote deposit capture, wire transfers, merchant services) are bundled into business accounts. The digital delivery layer is the MyFCBOT iOS/Android app and Web 1st Online Banking at my.fcbot.com, with proprietary enhancements including FCB Guardian card controls, Savings Sam personal financial management, mobile check deposit, and Teller Assist video teller. Wealth management is delivered through an on-site Ameriprise Financial Institutions Group partnership; business invoicing and payments run through an embedded Autobooks integration; and the Kasasa platform powers consumer rewards checking.

FCB generates revenue primarily through net interest income on its loan portfolio (consumer, mortgage, commercial, SBA-guaranteed, agricultural, construction, equipment) and deposit spread, supplemented by account-level service and transaction fees (monthly maintenance, excess withdrawals, wire transfers), treasury management service fees, SBA guarantee-related economics, and affiliate referral economics from the Ameriprise wealth management relationship. The customer base is balanced between retail consumers and small-to-mid-size businesses (plus agricultural borrowers and seniors), with no disclosed single large anchor customer. Distribution blends physical branches (where local credit decisions are made) with self-serve digital channels. The bank is privately held, employees are shareholders, and the bank has no external parent company disclosed.

Name

First Community Bank

Legal name

First Community Bank

Website

https://fcbot.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

51–100 employees

Short description

First Community Bank is a privately held Texas state-chartered community bank founded in 1983, operating 12 branches across South Texas and the Texas Gulf Coast, serving retail consumers, small-to-mid-size businesses, and agricultural borrowers with deposits, mortgages, SBA lending, and embedded digital banking.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Retail banking services
• Community banking
• Small business lending
• Treasury management
• Mortgage lending

Headquarters

HQ city

Corpus Christi

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including personal loans, mortgages, commercial loans, construction loans, equipment loans, agricultural loans, and SBA-backed loans. Interest rates vary by product type and are determined at time of loan origination.
2. Interest Income from Deposits: Interest earned on deposit accounts including checking, savings, money market accounts, and certificates of deposit. The bank pays interest to depositors while earning a spread.
3. Account Fees and Service Charges: Monthly maintenance fees, excess withdrawal fees, wire transfer fees, and other service charges applied to various account types when certain conditions are not met (e.g., falling below minimum balance requirements).
4. Treasury Management Services: Business banking services including ACH origination, wire transfers, controlled disbursements, cash concentration, positive pay, merchant services, and payroll paycard accounts. Some services included free with business accounts; additional services available for fees.
5. SBA Loan Guarantees: Revenue from SBA 7(a) and 504 loan programs, providing government-guaranteed lending to small businesses with expedited processing for SBA Express and Patriot Express loans.
6. Wealth Management Referral Fees: Partnership with Ameriprise Financial Institutions Group provides financial planning services to bank customers. The bank receives referral/introduction benefits from this revenue-sharing relationship.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

First Community Bank is a Texas-chartered community bank operating 12 branches across South Texas and the Texas Gulf Coast. It provides personal and business deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial loans (mortgages, SBA loans, construction, equipment, agricultural loans), treasury management services for businesses, and wealth management referrals via Ameriprise. The bank supplements branch service with online banking, a mobile app (MyFCBOT), and Interactive Teller Machines (ITMs).

Product overview

First Community Bank is a regional Texas community bank serving the Texas Gulf Coast since 1983 with 12 branches across South Texas. The bank operates as a single-brand, single-platform banking institution offering a unified suite of consumer and business banking products. Its core digital banking platform (Web 1st Online Banking and MyFCBOT Mobile App) serves as the central hub through which customers access checking, savings, money market, CD, IRA, and loan accounts. The product portfolio spans: personal checking (Community Checking, Community Interest Checking, Community Gold, Money Market Plus), personal savings (Community Savings, Kids Club, Teens Club), youth accounts (Kids Club Savings, Teens Club Savings, Teens Club Checking), business checking (Business Checking, Simple Business Plus, Simple Business Checking, Business Interest Checking, Business Money Market Plus), business savings, CDs, IRAs, mortgage lending through the Home Loan Center, SBA loans, Treasury Management services, Wealth Management via Ameriprise Financial, and card management tools (FCB Guardian). Ancillary services include Bill Pay, e-Statements, mobile check deposit, Teller Assist virtual teller, Savings Sam financial management, Autobooks business invoicing/payments, FCB Travel Club, and check ordering. Treasury Management services (Positive Pay, ACH Origination, Wire Transfers, Remote Deposit Capture, Merchant Services) are bundled at no charge for business customers.

Differentiator

Problem solved

Functional benefit

Brands

• FCB Guardian: Card management feature available on MyFCBOT app and Online Banking that lets users set card controls, add restrictions, and receive transaction alerts.
• Savings Sam
• Autobooks

Products and services

• Community Checking Basic no-fee personal checking account for everyday consumer banking, with FCB ATM access and digital banking.
• Community Interest Checking Interest-bearing personal checking account for consumers maintaining higher balances.
• Community Gold Enhanced checking account tailored for customers aged 55 and older, offering fee-free perks and special CD rates.
• Money Market Plus Tiered, interest-earning personal account with limited-check writing and ATM fee refunds.
• Certificate of Deposit (CD) Fixed-term, fixed-rate deposit product available to personal and business customers.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings account with fixed-term CD options.
• Business Checking Core business checking account with variable earnings credit offsetting monthly service charges.
• Simple Business Plus Growing-business checking account with no minimum balance and bundled treasury services.
• Simple Business Checking Entry-level business checking account with standard treasury services access.
• Business Interest Checking Interest-bearing business checking with unlimited transactions and treasury tools.
• Business Money Market Plus Tiered interest-earning business money market account with limited withdrawals.
• Business Savings Interest-bearing business savings account with quarterly interest crediting.
• Home Loan Center (Mortgages) Mortgage lending offering conventional and government-backed home loans with local processing, underwriting, and closing.
• Small Business / SBA Loans SBA 7(a) and 504 government-guaranteed lending, plus commercial, construction, equipment, and agricultural loans.
• Treasury Management Services Cash management and payment services for business banking customers, including ACH, wires, positive pay, and remote deposit.
• Wealth Management (via Ameriprise Financial) Investment advisory and financial planning services offered through Ameriprise Financial Institutions Group.
• Web 1st Online Banking Web-based online banking platform for 24/7 account management, bill pay, transfers, and e-Statements.
• MyFCBOT Mobile App Native iOS/Android mobile banking application with check deposit, virtual teller chat, and card controls.
• FCB Travel Club Members-only group travel program offering discounted trips and tours as a customer engagement offering.
• Kids Club Savings Youth savings account for children aged 12 and under with matched first deposit and conversion to Teens Club at 13.
• Teens Club Checking Free teen checking account (ages 13-17) with parental controls and ATM fee refunds.
• Teens Club Savings Teen savings account (ages 13-17) with no monthly service fees.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Ameriprise Financial Institutions GroupcoreStrategic or Co-development PartnerFirst Community Bank offers investment services through Ameriprise Financial Institutions Group, providing on-site financial planning, investment solutions, and wealth management. Financial advisor Mark Freeland is available at the Corpus Christi branch. The bank has a revenue-sharing relationship with Ameriprise creating a conflict of interest disclosed on their website. Services include financial planning, retirement planning, investments, insurance, annuities, estate planning, and tax planning strategies.
• AutobookscoreTechnology or IntegrationAutobooks payment processing integration within First Community Bank's online and mobile banking platform. Enables business invoicing, digital payment acceptance (credit cards, debit cards, ACH), QR code payments, accounting/reporting tools, and business bill pay. Payments deposited directly to checking within two business days.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerActive participant in SBA 7(a) Government Guaranteed Lending Programs and SBA 504 Economic Development Loan Program. Designated SBA Preferred Lender enabling expedited processing. Utilizes SBA Express and Patriot Express programs for faster small business loan approvals.
• Southeast Texas Housing Finance Corporation (SETH)minorGTM or Marketing PartnerHousing finance partnership providing down payment assistance and affordable housing programs for qualified homebuyers in Southeast Texas.
• Texas State Affordable Housing Corporation (TSAHC)minorGTM or Marketing PartnerState housing finance partnership offering affordable mortgage programs and down payment assistance for Texas homebuyers.
• Texas Department of Housing and Community Affairs (TDHCA)minorGTM or Marketing PartnerState government partnership providing housing assistance programs and mortgage financing options for Texas residents.
• Homebuyer Equity Leverage Partnership (HELP)minorGTM or Marketing PartnerDown payment assistance program for qualified first-time homebuyers offered through the bank's Home Loan Center.
• Clarke AmericanminorChannel Partner/ Reseller/ DistributorCheck printing vendor providing personal and business check ordering through Direct Link online portal accessible via the bank's website.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Frost Bank: Frost Bank is a large Texas-based regional bank with statewide branch network and full consumer/business product suite, including wealth management—operating in FCB's geography as a much larger competitor.
• Cadence Bank: Cadence Bank is a regional commercial bank with significant Texas presence, offering comparable consumer deposits, commercial lending, and Treasury Management—competing with FCB for SMB and middle-market relationships.
• Comerica Bank: Comerica is a major regional bank historically headquartered in Texas (now Dallas), with a broad commercial and retail banking franchise that overlaps FCB's small business and treasury management offerings.

Others

• First National Bank of Port Lavaca: First National Bank of Port Lavaca is a small Texas Gulf Coast community bank and the announced 2026 acquisition target of FCB; it provides a direct comparison of the type of franchise being absorbed.

Direct peers

• IBC Bank: IBC Bank is a Texas-based community bank with comparable South Texas and Gulf Coast branch presence, serving consumer and small business customers with deposit products, commercial loans, and SBA lending—closely paralleling FCB's product mix and footprint.
• Prosperity Bank: Prosperity Bank is one of the largest Texas community banks, with a heavy branch footprint across the Gulf Coast region and broadly similar consumer/commercial banking, mortgage, and SBA lending services as FCB.
• TrustTexas Bank: TrustTexas Bank is a Texas community bank focused on personal and business banking in central and South Texas, with comparable scale, deposit products, and SBA-style small business lending.
• Allegiance Bank Texas: Allegiance Bank is a Houston-area community bank focused on small-to-mid-size business banking, with similar commercial lending, treasury management, and SBA lending offerings to FCB.
• Vantage Bank Texas: Vantage Bank Texas is a community bank with Gulf Coast and South Texas presence, offering consumer deposits, commercial loans, and Treasury Management services—directly comparable in operating model and geography to FCB.
• First Financial Bank Texas: First Financial Bank Texas is an Abilene-rooted community bank group with Texas-wide presence in consumer deposits, lending, and SBA lending—comparable in operating scope to FCB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fcboftexas
• YouTubeyoutube.com/fcbot
• Facebookfacebook.com/FCBOT
• LinkedInlinkedin.com/company/fcbot
• Instagraminstagram.com/fcbot

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

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