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First Community Bank Corpus Christi, TX

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First Community Bank Corpus Christi, TX Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank Corpus Christi, TX provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 2026

You can compare First Community Bank Corpus Christi, TX rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 2.37% and 3-month CD rates at 1.49%. Savings rates are at 0.01% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to First Community Bank Corpus Christi, TX rates. MonitorBankRates evaluates the financial stability of First Community Bank Corpus Christi, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates were last updated on 04/05/2026.

First Community Bank Corpus Christi, TX money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Community Bank Corpus Christi, TX? Share your experience about First Community Bank Corpus Christi, TX by leaving a review below, or read customer reviews before you decide to use First Community Bank Corpus Christi, TX.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

First Community Bank Corpus Christi, TX

416 N Water St
Corpus Christi, TX 78401

https://www.fcbot.com

Current Rate Availability

We do not have First Community Bank Corpus Christi, TX rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Community Bank Corpus Christi, TX is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Community Bank Corpus Christi, TX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Community Bank Corpus Christi, TX's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Community Bank Corpus Christi, TX

Bank Holding Company COASTAL BEND BANCSHARES INC

Address 416 N Water St, Corpus Christi, TX 78401 · Nueces

Website https://www.fcbot.com

FDIC Certificate # 24353

Established 02/07/1983

FDIC Insurance Date 02/07/1983

Domestic Offices 14

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2118%

Return on Equity (ROE) 14.7200%

Non-Performing Loans (NPL) 0.16%

Total Assets $661,715,000

Total Deposits $584,147,000

Equity Capital $73,404,000

Net Income $8,539,000

Headquarters Corpus Christi

Total Offices 14

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Community Bank Corpus Christi, TX

Is First Community Bank Corpus Christi, TX a safe place to deposit money?

Yes, First Community Bank Corpus Christi, TX is considered a safe financial institution. With a Texas Ratio of 3.3226028972178%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Community Bank Corpus Christi, TX operate?

First Community Bank Corpus Christi, TX currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Community Bank Corpus Christi, TX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank Corpus Christi, TX provides members with tools to manage their accounts and build a solid financial history.

Does First Community Bank Corpus Christi, TX offer online and mobile banking?

Most modern institutions like First Community Bank Corpus Christi, TX provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fcbot.com.