First Community Bank (Lexington, SC): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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
- Offices
- 23 domestic
- 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
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 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
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.
Banks merged into First Community Bank
- Signature Bank of Georgia, effective January 9, 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 | 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
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 22 branches →
| 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
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 (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 75 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).
- 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 $2.38 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 Lexington, SC, 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 1995, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. First Community Bank 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. 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 12.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Community Bank operate?
First Community Bank 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?
First Community Bank's Texas Ratio is 0.40% 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.
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