BanksFIRST COMMUNITY BANK

FIRST COMMUNITY BANK

BLUEFIELD, VALargeEst. Jan. 7, 1920, midnightFDIC #13012RSSD #2353595FED
Latest · 2025-12-31

FIRST COMMUNITY BANK is an FDIC-insured commercial bank headquartered in BLUEFIELD, VA, established in Jan. 7, 1920, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.7B. Profitability stands at 1.56% ROA and 10.79% ROE, with a net interest margin of 4.36%. CET1 capital ratio: 14.46%, well above regulatory minimums. NPL ratio: 0.60% · Texas Ratio: 2.81%. Operates 60 domestic branches.

Assets
$3.2B
Deposits
$2.7B
Loans
$2.3B
Equity
$465M

Profitability

Return on Assets (ROA)1.56%
Return on Equity (ROE)10.79%
Net Interest Margin4.36%
Yield on Assets4.90%
Cost of Funds0.60%

Asset Quality

NPL Ratio0.60%
Net Charge-Off Ratio0.18%
Texas Ratio2.81%
NPA Ratio0.43%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio14.46%
Tier 1 Capital14.46%
Total Capital Ratio15.71%
Leverage Ratio10.38%
Loan-to-Deposit85.03%

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