First Community Bank (Bluefield, VA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank is one of the more profitable banks of its size. The Bluefield, Virginia bank had $3.6 billion in assets at June 30, 2026, up 14.0% from a year earlier. It earns about $2.55 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 0.56% on its deposits and borrowings, about a third the median of 2.01% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $23 million, 82% above the same quarter a year earlier. Over the same year, loans grew 4.5% and deposits grew 14.3%.
As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 15.32%, a return on assets of 2.55%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 4.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 29 College Dr, Bluefield, VA 24605
- County
- Tazewell
- Metro Area
- Bluefield, WV-VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 7, 1920
- Former names
- First Community Bank, National Association (1999-2011); First Community Bank, Inc. (1995-1999); FCFT Bank, Inc. (1994-1995); First Community Bank - Adrian Buckhannon (1984-1988); Adrian Buckhannon Bank (1937-1984)
- Offices
- 67 domestic
- Employees (FTE)
- 614
- Domestic deposits
- $3.04B
- Allowance for credit losses
- $32.7M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $3.64B
- Average total loans
- $2.46B
- Average interest-bearing deposits
- $2.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13012
- Fed RSSD
- 2353595
- SEC CIK
- 859070 → filed by FIRST COMMUNITY BANKSHARES, INC.
- Website
- www.firstcommunitybank.com →
- Parent Holding Company
- FIRST COMMUNITY BANKSHARES, INC. (RSSD 1478017) · FCBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William P Stafford Ii | CEO | Chief Executive Officer |
| Gary R Mills | PRES | President |
| David D Brown | CFO | Chief Financial Officer |
| Sarah W Harmon | GC | SVP & General Counsel |
| Derek A Bonnett | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Community Bank: ROA.
Banks merged into First Community Bank
- Union Bank, Inc., effective January 24, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.32% | 2.55% | 0.70% | 4.52% | 4.33% |
| Q1 2026 | 14.73% | 1.45% | 0.72% | 4.79% | 4.27% |
| Q4 2025 | 14.46% | 1.56% | 0.61% | 4.16% | 4.54% |
| Q3 2025 | 14.35% | 1.55% | 0.71% | 4.97% | 4.41% |
| Q2 2025 | 14.29% | 1.59% | 0.79% | 5.62% | 4.32% |
| Q1 2025 | 14.03% | 1.52% | 0.84% | 6.01% | 4.24% |
| Q4 2024 | 13.89% | 1.59% | 0.83% | 6.06% | 4.36% |
| Q3 2024 | 13.76% | 1.59% | 0.82% | 5.94% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 67 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stafford Commons Branch | Princeton , WV | 24740 | $226.1M |
| Mount Airy Main Branch | Mount Airy , NC | 27030 | $184.0M |
| Abingdon Branch | Abingdon , VA | 24210 | $143.9M |
| Buckhannon Branch | Buckhannon , WV | 26201 | $127.4M |
| Union Bank Branch | Middlebourne , WV | 26149 | $117.2M |
| Bluefield Branch | Bluefield , WV | 24701 | $111.4M |
| Summersville Northside Branch | Summersville , WV | 26651 | $94.0M |
| Taylorsville Branch | Taylorsville , NC | 28681 | $89.6M |
| Wytheville Branch | Wytheville , VA | 24382 | $74.9M |
| Beckley Branch-Main | Beckley , WV | 25801 | $68.1M |
| Grafton Branch | Grafton , WV | 26354 | $66.6M |
| Bristol Branch | Bristol , VA | 24201 | $63.2M |
| St Marys Branch | St. Marys , WV | 26170 | $62.3M |
| 1500 West Main Street Branch | Harrisville , WV | 26362 | $58.3M |
| Peoples Bank of Virginia Branch | Richmond , VA | 23294 | $56.4M |
| Craigsville Branch | Craigsville , WV | 26205 | $55.2M |
| Courthouse Branch | Chesterfield , VA | 23832 | $53.9M |
| Mount Airy Branch | Mount Airy , NC | 27030 | $50.4M |
| Pineville Branch | Pineville , WV | 24874 | $50.1M |
| Bluewell Branch | Bluefield , WV | 24701 | $49.9M |
| Pulaski Branch | Pulaski , VA | 24301 | $48.9M |
| Bristol Branch | Bristol , VA | 24201 | $48.6M |
| Ridgeview Plaza Branch | Bluefield , VA | 24605 | $47.7M |
| Sparta Branch | Sparta , NC | 28675 | $46.4M |
| Elkin Branch | Elkin , NC | 28621 | $45.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 24, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 24, 2026 | Structure Change | Acquired Union Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2023 | Structure Change | Acquired Surrey Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Structure Change | Acquired Highlands Union Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2012 | Structure Change | Acquired Waccamaw Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2012 | Structure Change | Acquired Peoples Bank of Virginia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2009 | Structure Change | Acquired TriStone Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2008 | Structure Change | Acquired Mooresville Savings Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2004 | Structure Change | Acquired People's Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 2003 | Structure Change | Acquired The Commonwealth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2002 | Structure Change | Acquired Bank of Greenville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2000 | Structure Change | Acquired Citizens Southern Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 30, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 1995 | Structure Change | Split | FFIEC NIC |
| January 3, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 33 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- May 31, 2022, SEC Form 8-K: 8-K Item 5.02: memorandum of understanding
- Period: Most recent institution action May 31, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 34 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 939 applications, 487 loans originated, $82.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 95 loans, $39.1M approved, $412K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Community Bank
What are First Community Bank's total assets?
As of the Q2 2026 filing, First Community Bank reported total assets of $3.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank headquartered?
First Community Bank is headquartered in Bluefield, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Community Bank founded?
First Community Bank was established in 1920, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. First Community Bank is an FDIC-insured commercial bank (FDIC Certificate #13012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank?
First Community Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank's CET1 capital ratio?
First Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank operate?
First Community Bank operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank's Texas Ratio?
First Community Bank's Texas Ratio is 4.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Community Bank previously called?
The charter now named First Community Bank has also operated as First Community Bank, National Association (1999-2011), First Community Bank, Inc. (1995-1999), FCFT Bank, Inc. (1994-1995), First Community Bank - Adrian Buckhannon (1984-1988), Adrian Buckhannon Bank (1937-1984), per FDIC structure-change records.
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