First Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Lexington, SC against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.38% | 1.34% | +0.04% | 57th above |
| ROAE | 14.14% | 12.34% | +1.80% | 63rd above |
| Net Interest Margin | 3.52% | 3.83% | -0.31% | 36th below |
| Efficiency Ratio | 57.15% | 58.97% | -1.82% | 53rd above |
| PPNR / Avg Assets | 1.79% | — | — | 54th above |
| Yield on Earning Assets | 5.20% | 5.71% | -0.51% | 30th below |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 64th above |
| Net Interest Spread | 2.84% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.87% | -0.82% | 92nd top |
| NPA / Total Assets | 0.04% | — | — | 91st top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.16% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 2575.24% | — | — | — |
| Texas Ratio | 0.40% | 5.48% | -5.08% | 91st top |
| Provision / NCO | 600.00% | — | — | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.98% | 14.99% | -2.01% | 41st below |
| Tier 1 Ratio | 12.98% | 15.02% | -2.04% | 40th below |
| Total Capital Ratio | 14.13% | — | — | 41st below |
| Leverage Ratio | 9.29% | 11.11% | -1.82% | 18th bottom |
| Equity / Assets | 9.90% | 11.02% | -1.12% | 41st below |
| TCE / Tangible Assets | 8.67% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.31% | 86.99% | -8.68% | 73rd above |
| Core Deposit Ratio | 94.73% | 85.57% | +9.16% | 84th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.68% | 33.19% | -0.51% | 45th below |
| Wholesale Funding Ratio | 4.06% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.42% | — | — | 88th top |
| Loan Growth (Y/Y) | 25.11% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 15.46% | — | — | 85th top |
See First Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Community Bank peer analysis.