FIRST COMMUNITY BANK

LEXINGTON, SC | Large | Est. Aug. 17, 1995, midnight | FDIC #34047 | RSSD #2328137 | FDIC
Latest Report: 2025-12-31

FIRST COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in LEXINGTON, SC, established in Aug. 17, 1995, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.8B. Profitability stands at 1.10% ROA and 13.08% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 13.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.20%. FDIC Certificate #34047.

Assets

$2.1B

Deposits

$1.8B

Loans

$1.3B

Equity

$176M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 13.08%
Net Interest Margin (NIM) 3.49%
Yield on Assets 5.25%
Cost of Funds 3.64%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.20%
NPA Ratio 0.02%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 13.11%
Tier 1 Capital 13.11%
Total Capital Ratio 14.16%
Leverage Ratio 8.66%
Loan-to-Deposit 75.29%

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