Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 334264 |
| Address | 1151 West US Highway 77, San Benito, TX 78586 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$717,719 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as First Community Bank (FDIC cert 22964). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $794.4 million (as of 30 Jun 2026) |
|---|---|
| Offices | 9 (as of 30 Oct 2026) |
Offices by state and county (9)
Texas (9 offices)
- Cameron County (7): 1151 W Us Highway 77, San Benito 78586 (main office); 470 E Morrison Rd, Brownsville 78526; 405 North Stuart Place Road, Harlingen 78552; 806 S 77 Sunshine Strip, Harlingen 78550; 205 E Ocean Blvd, Los Fresnos 78566; 600 S Sam Houston Blvd, San Benito 78586; 2701 Padre Blvd, South Padre Island 78597
- Hidalgo County (1): 8000 N 10th St, Mcallen 78504
- Willacy County (1): 729 E Hidalgo Ave, Raymondville 78580
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by First Community Bank (RSSD 334264, FDIC cert 22964). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $466.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.5% from $478.6 million on 30 Jun 2025 |
| Total assets | $794.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $58.3 million | 12.5% |
| Commercial real estate, construction and multifamily | $297.8 million | 63.8% |
| Commercial and industrial (business) loans | $89.3 million | 19.1% |
| Farmland and farm production loans | $13.9 million | 3.0% |
| Consumer loans (credit cards, auto, other) | $3.8 million | 0.8% |
| All other loans and leases | $3.7 million | 0.8% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $290,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 33 loans $1.4 million | 218 loans $5.1 million |
| $100,001 to $250,000 | 58 loans $7.8 million | 80 loans $8.7 million |
| $250,001 to $1 million | 97 loans $38.9 million | 77 loans $27.6 million |
| All small business loans | 188 loans $48.2 million | 375 loans $41.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 7 loans $306,000 | 23 loans $886,000 |
| $100,001 to $250,000 | 12 loans $1.6 million | 5 loans $371,000 |
| $250,001 to $500,000 | 7 loans $2.2 million | none reported |
| All small farm loans | 26 loans $4.1 million | 28 loans $1.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025First Community Bank reported 38 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $22.8M (median loan about $230,000). 31 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 31 | 82% |
| Refinance (incl. cash-out) | 6 | 16% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 38 | 100% |
Included above: 8 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 4 counties with at least one; 100% of its 2025 loans were for properties in Texas:
- Cameron County, TX (27)
- Hidalgo County, TX (9)
Filed under LEI 549300XUMLWCTTKR4B35 as “First Community Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 2 | Rank among the 10 certified CDFIs in Texas with SBA approvals in either period: 6 → 6. |
| Total assets (Call Report, 30 Jun 2026) | $794.4 million | Larger than 58% of the 12 other certified banks and bank holding companies in Texas (median $301.2 million). |
| Loans as a share of assets | 59% | Median of the same 12 banks and bank holding companies: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $478.6 million → $466.8 million (-2%) | Median change of 12 other certified banks and bank holding companies in Texas: +8%. Rank by loans held among these 13: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 38 | More than 16% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Texas with SBA approvals FY2023–2026 | 9 | rank 6 → 6 of 10 |
| Call Report total assets | other certified banks and bank holding companies in Texas | 12 | larger than 58% |
| Loans held then vs now | certified banks and bank holding companies in Texas reporting both dates | 12 | rank 5 → 5 of 13 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 16% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 6 SBA-backed approvals for First Community Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
- 5 504 projects as the third-party (first-lien) lender: $4.1M in total (its own third-party loan amount), median $845,855
By fiscal year: FY2020 0 · FY2021 1 · FY2022 1 · FY2023 2 · FY2024 0 · FY2025 2 · FY2026 0.
By program
- 504 projects (as the third-party lender) (5, 83%)
- 7(a) standard (1, 17%)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: FDIC cert 22964, found through the RSSD ID on the CDFI Fund list (SBA lists “First Community Bank”); 504 third-party lender name: same name, state and city (SBA lists “First Community Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First Community Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in San Benito and Texas
- First San Benito Bancshares CorporationBank holding company · San Benito, TXOfficial list only
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at First Community Bank? Link to this page
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