First Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 72.2% higher than in Q1 2026, at $11.9M. Within South Carolina, First Community Bank is 23rd of 44 on loan-to-deposit ratio, 78.31% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Community Bank sits 9.90 points lower, at 78.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.59B |
| Net loans and leases | $1.57B |
| Loans held for sale | $11.9M |
| Loans to total assets | 66.79% |
| Loan-to-deposit ratio | 78.31% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.97% |
| Multifamily (5+ residential) | 2.99% |
| Commercial and industrial | 5.66% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 317.23% |
| Construction concentration (Tier 1 capital + allowance) | 70.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.00% |
| Interest income on loans | $23.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.10B | $1.50B | 55.87% | 4.74% | 1.36% |
| Q4 2023 | $1.14B | $1.52B | 56.48% | 4.49% | 1.41% |
| Q1 2024 | $1.16B | $1.58B | 55.90% | 4.71% | 1.38% |
| Q2 2024 | $1.20B | $1.61B | 53.93% | 4.86% | 1.27% |
| Q3 2024 | $1.20B | $1.65B | 53.96% | 5.05% | 1.40% |
| Q4 2024 | $1.23B | $1.68B | 53.17% | 4.78% | 1.49% |
| Q1 2025 | $1.26B | $1.73B | 53.24% | 5.11% | 1.62% |
| Q2 2025 | $1.27B | $1.76B | 53.24% | 5.19% | 1.55% |
| Q3 2025 | $1.29B | $1.78B | 54.09% | 5.25% | 1.27% |
| Q4 2025 | $1.32B | $1.76B | 53.52% | 5.26% | 1.47% |
| Q1 2026 | $1.56B | $2.05B | 58.10% | 5.35% | 1.21% |
| Q2 2026 | $1.59B | $2.03B | 56.97% | 5.66% | 1.33% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34047) · FFIEC NIC profile (RSSD 2328137)