First Community Bank (Lexington, SC)
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank is an FDIC-insured commercial bank headquartered in Lexington, SC, established in 1995 (FDIC certificate 34047), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.38B, up 16.4% from Q2 2025, the 4th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.98% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34047
- Headquarters
- Lexington, SC
- Established
- 1995
- Total assets, Q2 2026
- $2.38B
- Assets vs Q2 2025
- +16.4%
- CET1 ratio, Q2 2026
- 12.98%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 053202208
- Latest call report
- Q2 2026, FFIEC 041 · First Community Bank call report
- Holding company
- FIRST COMMUNITY CORPORATION
- Asset rank in state
- 4th of 43 in South Carolina
First Community Bank, based in Lexington, South Carolina, reported $2.4 billion in assets at June 30, 2026, up 16.4% from a year earlier. It carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 25.1% over the year, 4.3 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $8.2 million, 44% above the same quarter a year earlier. Over the same year, loans grew 25.1% and deposits grew 15.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 12.98%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
First Community Bank ranks as the 4th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $2.38B, loans rose 2.2% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 33.6% of total loans, followed by owner-occupied commercial real estate loans at 23.4%. Its 22 offices in the FDIC Summary of Deposits are in 18 cities across 2 states; its Lexington 2 offices book 16% of its branch deposits. Judged on its Q2 2026 call report, First Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5455 Sunset Blvd, Lexington, SC 29072
- County
- Lexington
- Metro Area
- Columbia, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 17, 1995
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 298
- Domestic deposits
- $2.03B
- Allowance for credit losses
- $18.5M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $2.38B
- Average total loans
- $1.57B
- Average interest-bearing deposits
- $1.49B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 17, 1995
- FDIC Cert
- 34047
- Fed RSSD
- 2328137
- SEC CIK
- 932781 → filed by FIRST COMMUNITY CORPORATION
- Website
- www.firstcommunitysc.com →
- Parent Holding Company
- FIRST COMMUNITY CORPORATION (RSSD 2337401) · FCCO
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael C Crapps | CEO | President and CEO |
| Jordan Donald Shawn | CFO | EVP and CFO |
| Sarah Donley | COO | EVP, COO, and CRO |
| Jack W. Walker | CCO | EVP and Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Community Bank's total assets moved between a low of $1.80B (Q3 2023) and a high of $2.40B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.38B total assets against $2.05B; $2.15B total liabilities against $1.88B.
$1.57B net loans and leases against $1.26B; $2.03B total deposits against $1.76B.
$507.6M securities against $504.4M; $162.2M cash and balances due against $183.5M.
$29.2M total interest income against $24.2M; $9.4M total interest expense against $8.6M.
$19.7M net interest income against $15.6M.
$5.5M total noninterest income against $4.0M; $14.6M total noninterest expense against $12.4M.
$126K provision for credit losses against -$237K.
$8.2M net income against $5.7M.
1.38% return on assets against 1.11%; 3.52% net interest margin against 3.22%.
12.98% CET1 capital ratio against 13.04%; 9.29% tier 1 leverage ratio against 8.44%.
Inside the full First Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Community Bank rankings
Its closest position to the top of a national ranking is 512 of 4,196, for total assets; its furthest is 3,020 of 3,640, for Texas Ratio.
Banks merged into First Community Bank
- Signature Bank of Georgia, effective January 9, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q3 2024) to 1.38% (Q2 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | 1.38% | 0.05% | 0.40% | 3.52% |
| Q1 2026 | 12.82% | 1.03% | 0.04% | 0.40% | 3.34% |
| Q4 2025 | 13.11% | 1.09% | 0.02% | 0.21% | 3.36% |
| Q3 2025 | 13.10% | 1.10% | 0.05% | 0.52% | 3.33% |
| Q2 2025 | 13.04% | 1.11% | 0.02% | 0.29% | 3.22% |
| Q1 2025 | 12.90% | 0.94% | 0.02% | 0.42% | 3.11% |
| Q4 2024 | 12.87% | 0.96% | 0.02% | 0.53% | 3.04% |
| Q3 2024 | 12.93% | 0.91% | 0.03% | 0.58% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank (main office) | Lexington , SC | 29072 | $241.5M |
| Signature Bank of Georgia Branch | Sandy Springs , GA | 30328 | $208.6M |
| Newberry Branch | Newberry , SC | 29108 | $173.2M |
| Chapin Branch | Chapin , SC | 29036 | $149.0M |
| Cornerstone National Bank Branch | Easley , SC | 29640 | $116.4M |
| Forest Acres Branch | Columbia , SC | 29206 | $113.0M |
| Gilbert Branch | Gilbert , SC | 29054 | $110.0M |
| CayceWest Columbia Branch | West Columbia , SC | 29169 | $104.7M |
| Irmo Branch | Irmo , SC | 29063 | $94.5M |
| Downtown Columbia Branch | Columbia , SC | 29201 | $91.6M |
| Red Bank Branch | Lexington , SC | 29073 | $79.6M |
| Augusta Branch | Augusta , GA | 30909 | $78.8M |
| Aiken Branch | Aiken , SC | 29803 | $67.5M |
| Camden Branch | Camden , SC | 29020 | $57.8M |
| Prosperity Branch | Prosperity , SC | 29127 | $54.1M |
| Rock Hill Branch | Rock Hill , SC | 29732 | $50.5M |
| Berea Branch | Greenville , SC | 29617 | $49.3M |
| Northeast Branch | Columbia , SC | 29223 | $47.2M |
| Blythewood Branch | Blythewood , SC | 29016 | $42.0M |
| Greenville Branch | Greenville , SC | 29601 | $39.8M |
| Powdersville Branch | Piedmont , SC | 29673 | $34.2M |
| Evans Branch | Evans , GA | 30809 | $27.6M |
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 9, 2026 | M&A | Acquired Signature Bank of Georgia merger for the acquired bank | SEC |
| January 9, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 9, 2026 | Structure Change | Acquired Signature Bank of Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2017 | Structure Change | Acquired Cornerstone National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2014 | Structure Change | Acquired Savannah River Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2006 | Structure Change | Acquired The Bank of Camden Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2004 | Structure Change | Acquired Newberry Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 6, 2010, OCC: Formal Agreement: First Community Bank, National Association
- Period: Most recent institution action April 6, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in SC, rank 12 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 664 applications, 529 loans originated, $197.2M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 26 loans, $31.2M approved, $1.2M 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $2.38 billion in its FFIEC call report.
Where is First Community Bank headquartered?
It is headquartered in Lexington, SC, United States.
When was First Community Bank founded?
It was established in 1995, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34047). 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 FDIC.
What is First Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Community Bank operate?
It operates 23 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?
Its Texas Ratio is 0.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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