Main Bank Number: 361-888-9310

Switch To A Bank For The Way You Live

Your time is important. We’ve created a banking experience that fits your financial needs – and your lifestyle. Click here to get started. It’s fast and simple.

Download the forms in advance, and then call our customized concierge service to set an appointment. 

Our goal is to have you in and out quickly…with a better bank, and an easier banking experience.

Smart ATMs and 24/7 account management from your computer or mobile device put your finances at your fingertips. Personal and commercial accounts, bill-pay and cash management options deliver the money-management tools you want. And our award-winning Home Loan Center and SBA department provide loan solutions to families and business owners, helping our South Texas economy grow.

Fast, easy, simple and convenient. Just the way you like it, for just the way you live.

App. Tap. Snap.

Mobile banking is here…and it’s a snap. Just download the First Community Bank mobile banking app to your Apple or Android device or Windows phone.

Access your accounts anytime, 24/7 by tapping in your log-in info. Manage your money and even make deposits simply by taking a picture of the front and back of the check you want to deposit. Wow…money in the bank! Now THAT'S a pretty picture.

Bank here…from anywhere!

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


  • 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

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(361) 664-8775

Corpus Christi at Alameda
(361) 985-9310

Corpus Christi at Everhart
(361) 993-9310

Corpus Christi at Water St.
(361) 888-9310

FCB at the FCB Building
(361) 882-9310

Home Loan Center
(361) 993-9703

(361) 592-8002

Padre Island
(361) 949-9310

(361) 643-9310

(361) 729-9310

(361) 578-9310

     First Community Bank BBB Business Review