Table Rock Community Bank and First Community Bank of the Ozarks to combine Name


Shannon Dotson
(417) 272-9300

Table Rock Community Bank and First Community Bank of the Ozarks, Member FDIC parent company, Alton Bancshares, jointly announce the approval by their Boards of Directors to combine under the name Table Rock Community Bank. 


The two banks will combine to create total assets of $317 million, serving both individuals and businesses throughout the region. “We are very excited to bring together two high-performing and trusted organizations. Each has invested heavily in serving our communities. This combination enables us to serve a larger area with the core values and differentiated service we have delivered for many years,” said Kendall Combs, Chairman of Alton Bancshares. “Our family has been in the banking business for six decades. We honor the relationships we have built through the years and take pride in our strength and service. This is a continuation of our passion for serving our local communities with excellence.”

The merger of these institutions was announced in the spring of 2022 and will be completed by November 30, 2023. First Community Bank of the Ozarks was founded in 1993 and was purchased by Alton Bancshares in 2012. Table Rock Community Bank was founded in 2006 and purchased in 2022. Locations in Kimberling City, Branson West, and one Loan Production office in Crane will retain the name Table Rock Community Bank, while Forsyth, Branson, and Hollister will merge under that name following the November 30th, 2023 completion.

The merger provides current and future customers access to more locations and ATMs with other positive advancements on the horizon. After November 30, customers will be able to use any of the six locations, improving convenience for individuals and small business customers. Dwayne A. Falk has served as President and CEO of Table Rock Community Bank in Stone County since June of 2017 and is also currently serving as interim President and CEO of First Community Bank of the Ozarks. Dwayne will continue as President and CEO of the newly merged organization, upon completion of the merger. Dwayne states, “This transaction is a key step forward in our ongoing commitment to grow
and support our communities. I am eager for the opportunity to engage with an even larger group of valued community members. I am also honored to collaborate with the amazing teams of both banks to forge a unified and robust organization.”

Both institutions have built lasting relationships in the communities of Stone and Taney counties. The name Table Rock Community Bank was chosen due to the strong emotional
connections with the region. These community-focused banks have a name that truly embodies the connection to the people and businesses of the beautiful lake region. For
many decades, the Table Rock Lake region has touched the lives of the people of the Ozarks wherever the waters run…along the James, Finley, Kings, and White Rivers; the
lakes of Table Rock and Taneycomo, and even the waters below Powersite Dam. The name Table Rock Community Bank reflects that connection.

The forward-looking statements of this merger will be built on the promise of a Rock Solid Foundation. The newly merged bank is still locally owned, still making local decisions. The same friendly faces and great service will continue.

Kendall Combs, Board Chairman
Dwayne Falk, President/CEO/Board Member
Mike Combs, Board Member
Randall Combs, Board Member
Larry Schmitt, Board Member
Bob Simmons, Board Member
Steve Verheyen, Board Member
Rick Stumpff, Board Member
Jay Krause, Board Member
About Alton Bancshares, Inc.

Alton Bancshares is a bank holding company in Alton, Missouri, owned by Randall and Beckie Combs, Kendall and Pat Combs, and Mike and Sandy Combs. In addition to Table
Rock Community Bank and First Community Bank of the Ozarks, the Company owns Alton Bank, with offices in Alton and Birch Tree. Additionally, Stone bank in Arkansas is owned by the Combs family under a separate holding company. They service northern and central Arkansas with branches in Little Rock, White Hall, DeWitt, Gillett, Mountain View, and an Agri Lending Center also in Mountain View.

Table Rock Community Bank 2024 Scholarship Program

The Table Rock Community Bank scholarship program is designed to invest in the next generation of Rock Solid community leaders. Four (4) $1,000 one-time scholarships will be given to qualifying high school seniors. One scholarship will be awarded to a student at each of the following high schools: Blue Eye, Crane, Galena, Reeds Spring.

Deadline: April 14, 2023

The Requirements are as follows:
  • Applicants must plan to study in fields related to: Business or Finance
  • Applicants must be high school seniors who have demonstrated academic achievement and
  • community involvement.
  • Applicants must enroll in an accredited institution which provides a minimum two-year college
  • program.
  • Applicants must possess a cumulative GPA of a "C" or higher at the time of application.
  • Applicants do not need to be a customer of Table Rock Community Bank to apply.
  • Employees and employees' immediate families are not eligible to win.

2023 TRC Bank Scholarship Information

Table Rock Community Bank is giving away four (4) $1,000 one-time scholarships to graduating high school seniors! 

Deadline: April 14, 2023

One scholarship will be awarded to a student at each of the following high schools: Blue Eye, Crane, Galena, Reeds Spring

The Requirements are as follows:

1. Graduating high school senior who plans to study in fields related to: Business or Finance
2. Students do not need to be customers of Table Rock Community Bank to apply
3. Applicant must possess a cumulative GPA of at least a “C” or higher at the time of application
4. Applicant must be planning to attend any accredited institution which provides a two or four year college program
5. Employees and employee’s immediate families are not eligible to win 

Completed Application Must include the following: 
1. Application Form (attached here - CLICK for PDF)
2. 300 to 500 word essay describing areas in your life where you demonstrated leadership and overcame obstacles either through your school, social, or family life.
3. Two letters of recommendation
4. Transcript of last scholastic record 

Applications may be delivered to Table Rock Community Bank or mailed to:
Table Rock Community Bank
ATTN: 2022 Scholarship Committee
PO BOX 2098
Branson West, MO 65737

October is Cybersecurity Awareness Month

Here are four tips to follow to help everyone increase their protection of themselves online.

 1- Enable Multi-Factor Authentication - MFA can take several different forms, including:

    • Inputting an extra PIN (personal identification number) as well as your password
    • The answer to an extra security question like “What town did you go to high school in?”
    • A code sent to your email or texted to your device that you must enter within a short span of time
    • Biometric identifiers like facial recognition or fingerprint scan
    • A standalone app that requires you to approve each attempt to access an account 
    • An additional code either emailed to an account or texted to a mobile number
    • A secure token – a separate piece of physical hardware, like a key fob, that verifies a person’s identity with a database or system

2- Use Strong Passwords – No matter what accounts they protect, all passwords should be created with these 3 guiding principles:

a)     Long– Every one of your passwords should be at least 12 characters long.

b)     Unique– Each account needs to be protected with its own unique password. Never reuse passwords. This way, if one of your accounts is compromised, your other accounts remain secured. We’re talking really unique, not just changing one character, or adding a “2” at the end – to really trick up hackers, none of your passwords should look alike.

c)      Complex– Each unique password should be a combination of upper-case letters, lowercase letters, numbers and special characters (like >,!?). Again, remember each password should be at least 12 characters long. Some websites and apps will even let you include spaces.  

3- Recognize Phishing

a)     Does it contain an offer that’s too good to be true? 

b)     Does it include language that’s urgent, alarming, or threatening? 

c)      Is it poorly crafted writing riddled with misspellings and bad grammar?

d)     Is the greeting ambiguous or very generic? 

e)     Does it include requests to send personal information?

f)       Does it stress an urgency to click on an unfamiliar hyperlinks or attachment?

g)     Is it a strange or abrupt business request?

h)     Does the sender’s e-mail address match the company it’s coming from? Look for little misspellings like or

4- Update Your Software - Update often.

Always keep your software updated when updates becomes available and don’t delay. These updates fix general software problems and provide new security patches where criminals might get in. You can be sure the bad guys are always looking for new ways to get to your data through software, so updating your software is an easy way to stay a step ahead.

Top Cybersecurity Tips for Vacations

As the holiday season approaches, millions of people will be traveling. If you are among the many, here are some tips to help keep you cyber savvy and safe.

Mobile Devices

Bring as few devices as you can. The fewer devices you bring while traveling, the fewer devices that can be lost or stolen. In fact, did you know that you are far more likely to lose a mobile device than have it stolen? Whenever leaving a hotel room, restaurant, taxi cab, train or airplane, do a quick device check and make sure you have all of your devices. Don’t forget to have friends or family traveling with you to double check for their devices too, like children who may leave a device behind on a seat or in a restaurant. As for the devices you choose to bring, make sure you update them so they are running the latest operating system and apps. Keep the screen lock enabled. If possible, ensure you have some way to remotely track your devices if they are lost. In addition, you may want the option to remotely wipe the device. That way if a device is lost or stolen, you can remotely track and/or wipe all your sensitive data and accounts from the device. Finally, do a backup of any devices you take with you, so if one is lost or stolen, you can easily recover your data. 

Wi-Fi Connections

When traveling, you may need to connect to a public Wi-Fi network. Keep in mind you often have no idea who configured that Wi-Fi network, who is monitoring it or how, and who else is connected to it. Instead of connecting to a public Wi-Fi network, whenever possible connect to and use the personal hotspot feature of your smartphone. This way you know you have a trusted Wi-Fi connection. If that is not possible and you need to connect to a public Wi-Fi network (such as at an airport, hotel, or cafe), use a Virtual Private Network, often called a VPN. This is software you install on your laptop or mobile devices to help protect and anonymize your Wi-Fi connection. Some VPN solutions include settings to automatically enable the VPN when connecting to non-trusted Wi-Fi networks.

Public Computers 

Avoid using public computers, such as those in hotel lobbies or at coffee shops, to log into any accounts or access sensitive information. You don’t know who used that computer before you, and they may have infected it accidentally or deliberately with malware, such as a keystroke logger. Stick to devices you control and trust. 

Social Media

We love to update others about our travels and adventures through social media, but we don’t always know who every friend or viewer is online. Avoid oversharing while on vacation as much as possible and consider waiting to share your trip until you’re home. Additionally, don’t post pictures of boarding passes, driver’s licenses, or passports as this can lead to identity theft.