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First Community Bank Review

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First Community Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1983, First Community Bank has $445 million in assets along with $399 million in deposits, which makes the institution a medium-size bank. First Community Bank, whose headquarters are in Corpus Christi, Texas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. At a SmartAsset rating of 3.4 stars out of 5, First Community Bank should be more closely analyzed to see if its services match your needs. First Community Bank provides customers with a varied selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. First Community Bank has a fair savings rate; other popular banks have higher rates. Locating a checking account with no monthly fee, in addition to a savings account with a high APY at the same bank is your best bet for returning the most income from your deposits while having easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, First Community Bank ranks poorly compared to other U.S. banks. First Community Bank's one-year CD has a rate of 1.50%, while its highest-yielding money market account earns at a rate of 0.70%. Given First Community Bank's poor savings rate, you should consider choosing another bank to earn more on your deposits.

How First Community Bank's Savings Rates Compare

First Community Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on First Community Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

First Community Bank is a brick-and-mortar bank, with 12 total branches in Texas. With mobile and web apps, First Community Bank makes mobile banking easy, even on the go. You can access First Community Bank's app to manage your bank accounts by looking at account balances, sending and receiving funds and accessing support representatives. First Community Bank gets an exceptional consumer satisfaction rating due to comparatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

First Community Bank ranks as a medium-size bank and handles $445 million in assets as well as deposits totaling $399 million. First Community Bank's Texas Ratio is 13.14%, indicating that First Community Bank is in fine financial well-being and far from failure. Additionally, First Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare First Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.05% APY $1500
Certificates of Deposit
  • 12 Month: 1.50% APY
  • 24 Month: 1.76% APY
  • 36 Month: 1.86% APY
  • 48 Month: 2.01% APY
$1000 for all terms
Money Market Account 0.65% APY $10000

First Community Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. First Community Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First Community Bank's CD rates are fair compared to the average U.S. bank.

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Find a First Community Bank Near Me

First Community Bank has 12 locations in the U.S.

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