At First Community Bank, your business is our business. Consult with our banking experts to discover how we can help with perks like unlimited transactions, interest bearing accounts and even Treasury Management Services. Download our Brochure or Switch Kit and get started.

Make the switch to First Community Bank where we offer a variety of checking and savings options as diverse as the customers we serve, including free VISA debit cards, convenient BillPay and 24/7 online banking. We’ll assist you in finding the perfect fit for your banking needs. Download our Brochure or Switch Kit and get started.

Where we come from...and why it matters.

With our roots firmly established in South Texas, First Community Bank knows and understands the residents and businesses in the communities we serve. Since the first location opened in Alice, Texas, in 1983, FCB has grown to include 11 branches throughout the Texas Coastal Bend, and our headquarters and Home Loan Center in Corpus Christi. 

Who we are...and how we’re different.

First Community Bank is a traditional community bank. Our employees are shareholders of the bank, which means they have a personal interest in creating satisfied customers.

When you bank with FCB, your deposits are reinvested in Texas Gulf Coast homes and businesses, helping families and business owners succeed. Together, we’re making a positive impact on the economy in our region.

Products

• Business Checking And Savings
• Business Loans
• Certificates of Deposit (CD)
• Financial Planning¹
• Home Mortgage Loans
• Individual Retirement Accounts (IRAs)
• Personal Checking and Savings
• Personal Loans
• Small Business Administration Loans

Services

• ATMs with Interactive Teller Machine functions (ITM)²
• Bill Pay
• Debit Card Management
• Investment Services
• Monetary Instruments
• Online and Mobile Banking
• Online Loan Payments
• Personal Loans
• Safe Deposit Boxes³
• Small Business Administration Loans
• Telephone Banking (Dial 1st)
• Treasury Management Services
• ACH Origination
• Remote Deposit Capture
• Positive Pay Payroll
• PayCard Account
• Merchant Services
• Wire Transfers

_{1 No Bank Guarantee; Not a Deposit; Not FDIC Insured; Not insured by any Federal Government Agency.}

_{2 ITM function available 8am-7pm, Monday through Friday. Saturdays; 9am-noon; Excludes Bank holidays; Hours subject to change.}

_{3 Available at select bank locations.}

At First Community Bank, we believe there's nothing small about small businesses. They're important to you, to us and to the success of our community. So we've established an entire department to provide complete financial solutions for your small business needs.

First Community Bank is an active participant in the U. S. Small Business Administration's 7(a) Government Guaranteed Lending Programs as well as the SBA 504 Economic Development Loan Program. And, FCB is a designated SBA Preferred Lender and utilizes the SBA Express and Patriot Express loan programs, which allows the bank to offer expedited loan processing.

The SBA has recognized First Community's SBA loan department for our success in small business lending with the 2010 SBA 7(a) Dollar Volume award, 2010 Community Rural Lender of the Year, 2007 SBA Rising Star Award for the Rio Grande Valley District, and 2007 Award Recognition for outstanding efforts in delivering assistance to the military community via the SBA Patriot Express Loan Initiative.

Drop by our Bank located in the FCB Building Downtown and meet the Team! With nearly fifty years of combined experience and the legendary First Community customer service, you'll quickly see why we're "money wise and people friendly" when it comes to small business banking.

7(a) Loan Guarantee Program:

First Community offers solutions to your small business needs for a short-term working capital line of credit, long-term permanent financing for real estate or equipment acquisitions, or long-term working capital needs.

Use of Proceeds:

• Real estate acquisition, construction or refinance— usually up to 90% financing
• Business acquisition— usually up to 80% financing available
• Equipment acquisition
• Debt refinance
• Start up business

Terms:

• Up to 25 years for real estate financing
• Up to 10 years for equipment or business acquisition financing
• Up to 7 years for long-term working capital
• Loan Amounts from $25,000 to $5,000,000
• Eligible Business and Property Types
• Almost all types of for-profit business and commercial properties are eligible. Certain restrictions and special conditions may apply to specific program utilized.

SBA 504 Fixed Asset Financing Program:

This program offers long-term, permanent financing for real estate acquisition or construction requiring as little as 10% equity. Heavy-Duty Equipment Acquisition—up to 90% financing available. SBA, through Certified Development Companies, offers second lien financing up to 40% loan to value with a fixed rate up to 20 year loan. Rate determined at time of SBA debenture sale. Contact the SBA Department for complete details.

Contact a Small Business Administration Officer