First Community Bank
Total assets
$2.38B
▲ +16.4% YoY
Deposits
$2.03B
▲ +15.5% YoY
Loans
$1.57B
▲ +25.0% YoY
Offices
23
FIRST COMMUNITY CORP
ROA (annualized)
1.25%
peers 1.26%
ROE (annualized)
13.39%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +5.5% | +11.0 pts |
| Deposit growth (YoY) | +15.5% | +5.1% | +10.4 pts |
| Loan growth (YoY) | +25.0% | +5.9% | +19.0 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 13.4% | 12.2% | +1.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
Profile
- Established
- 1995
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST COMMUNITY CORP
- Specialization
- Commercial Lending Specialization
- Address
- 5455 Sunset Blvd, Lexington, SC, 29072
- County
- Lexington
- Metro area
- Columbia, SC
- Offices
- 23
- FDIC cert #
- 34047
- RSSD ID
- 2328137
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.38B | $2.03B | $1.57B | $235.7M | $14.3M | 1.25% | 3.61% | 0.04% |
| Q1 2026 | $2.40B | $2.05B | $1.54B | $229.0M | $6.1M | 1.09% | 3.57% | 0.04% |
| Q4 2025 | $2.06B | $1.76B | $1.31B | $175.7M | $21.7M | 1.07% | 3.31% | 0.02% |
| Q3 2025 | $2.07B | $1.78B | $1.27B | $170.2M | $16.1M | 1.06% | 3.27% | 0.04% |
| Q2 2025 | $2.05B | $1.76B | $1.26B | $164.7M | $10.4M | 1.03% | 3.21% | 0.02% |
| Q1 2025 | $2.04B | $1.73B | $1.25B | $159.6M | $4.7M | 0.94% | 3.13% | 0.03% |
| Q4 2024 | $1.96B | $1.68B | $1.22B | $153.9M | $16.0M | 0.84% | 3.01% | 0.04% |
| Q3 2024 | $1.94B | $1.65B | $1.19B | $152.8M | $11.3M | 0.80% | 2.97% | 0.04% |
Loan mix (Q2 2026): real estate $1.46B · commercial $90.0M · consumer $21.2M · securities $507.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 59.0% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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