# FIRST COMMUNITY BANK
BLUEFIELD, VA · FDIC certificate 13012 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.61B | |
| Deposits | $3.04B | |
| Loans and leases | $2.46B | |
| Total equity | $510.5M | |
| Loans / deposits | 79.86% (p33 of band) | 87.10% |
| Liquid assets / assets | 23.03% (p58 of band) | |
| Uninsured deposits / deposits | 21.28% (p20 of band) | 30.76% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 0.10% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -2.14% (p79 of band) | -7.75% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 2.05% (p89 of band) | 1.26% |
| Net interest margin | 4.44% (p85 of band) | 3.70% |
| Efficiency ratio | 52.56% (p30 of band) | |
| Noncurrent loans | 0.70% (p62 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p77 of band) | |
| Reserve coverage of noncurrent | 191.00% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 14.15% (p13 of band) | |
| Auto loans | $20.9M (0.85% of loans; DQ 5.85%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 14.3% | |
| Employees | 614 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2012-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking |  |
| 2016-03 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 0 |  | deposits shrinking, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 5 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 2 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  | assets shrinking, charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | deposits shrinking |  |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [First Community Bank announces promotions - guardonline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZ3FZMV9hbG9DRWZYLXFzcmJpc2lpMXJxdVBjN2ItUUYwWGJhUlU3ZjUzZU9YdGdhLTdmYXM5cHZEMUVGaDdGUnhqc0xJUW1ZMkhrRkFaY0VYemN4dlFpcWpCWnp3bm9OXy1oZ0hLaGtvWW92Qm4zeTVCQ1M5bGlJYkVmQVVqTV9paGtYLVMwekFhU0FOSUtUWk5ibzEzb2Y5UlFPaFRwM2lKR1kxVUFaMTBsWHlReVNFTFRXemgybDBqQQ?oc=5) · guardonline.com
- 2026-01-26 [First Community Bankshares, Inc. Completes Acquisition of Hometown Bancshares, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxPS0xYSVp5Tko0Znh0aFFTMENERU5FZldlUXJDdHdFSzFwc00wWkZ2UXNZTEJ5bWNKZEhvc1ZfOG5uUlFUREFONjdBWGVRbVpQaTJPc2ZCNG5zSlFfeWdybWJwQUtuZlI0LXNpNEJLdm1VUmdjYU8xakRLclFNYXczcHl3N0dKcS1KVmJvU3lmTQ?oc=5) · Yahoo Finance
- 2026-07-03 [Sam's Pizza, First Community Bank tied for lead in Bob Cupp Memorial Golf League standings - My Buckhannon](https://news.google.com/rss/articles/CBMiugFBVV95cUxQVmIyWngyTVRSWjJNX1hnNlBLTWZKNEFjdlZOOXdoOUVFZ0JsNlpYZzNiX3BuNjNycmZoRklwT1RyNnlOd3JyZ1NFd0hsYWZybTVaMHZJZWk3NEswSmRzOV9TVVMwN3pFdnBlckRlSjFWZ2I1T216eURuZ1g4X0U5aWFZU01VN0ZuTUlWNW1OMWFjaUJtWkVHbGN0Z3l3R3JTSGx3SDcyeFZsQUE5YzMxMWoxV1RaMzN4T1E?oc=5) · My Buckhannon
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-09-01 [PEBK vs. FCBC: Which Community Banking Stock Is the Better Buy Today? - The Globe and Mail](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQSjF6Y0F4TUpaTDYyenpIQUtyeHZkU3FDRHkyREt6djdPa0QyM3dWOGE2d3NVSG5qNXNUcEVONzM1cW0xU2dJeFFEWTN1WHh0X2lQdWZ1dDExT2ZwbXBoclVyREFPSVp0ZUx3OF9FR3RLUHhhYzktVlR3Y0NUdlZORE1NYjlwNGt6Tm1TeXVKOWlpNGhFcDVnR1ItTGZtQkZfOHMwek85S1NYdXBGdk02aDdfWDQtaHgyTHVkb1FaT2JQUGtNdHA1M2ZMdm9aWHBPV1l1c0xKejRuN1pOc1ZwUGI3RkgtZw?oc=5) · The Globe and Mail
- 2026-07-21 [First Community Bancshares: Q2 Earnings Snapshot - KTVB](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOS3ZOeEFzcEcwOHRxaEt1aUlxbm43Mmg3a2VVLXNYU2J1VXVBaFpoUnZSWm93YXV0Ny1iX0JsU0V0NEt4S3VjMEhxWGVIUDJ2VkFQOXBMOGUyZkh6LVFrbXJUaFBfbWZVTGJvMEVIdVNYQ3lyY25YVTN6LWtVb0lvQWpyXzNmTml0QWt2eXFWM3Vzb2ZnOU5udGFKYnk1WEYxdHFVWjJnQmxQZHpyUEcyc1NIM01UaElKSjhVMTZpbVl5V1pJWG5xTkJ0UDU3cmpFOXpxVExERGRYamtNUkE?oc=5) · KTVB
- 2025-07-15 [SC’s First Community broaches Atlanta area in $41.6M deal - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTVVldFJRY0pSbFQ0WVRxUDFHc2t3c2g1T0dLMlY4ZnVSZHZVcTZHSy1Zd2JtcE0wVE9CVVFvOTVoXzQyUE0xYWJNZVdOOHEwRXpTZFgxaXlkeENiTTZqZkJxeUpjOGhuV1RqMkZ3RVMyU0RsTXpEWThuTDY3c3J4anN4cVBBQThudFBXNkE2TGN3eFltZFNCc1lUUHlJRmJZWFA4OWxGZzVVR2JnY0x1a3Jn?oc=5) · Banking Dive
- 2025-07-30 [Banks Merge - wetzelchronicle.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5XM1RQRjRtc2tSd19VeDR3Wl9hNG1wQjlJT0hDS1lHN2tRR2l2bjlIRXE3RTZ3UHF5YnBnRzJRYVhxNDU1UC1fMG1UWTVZQVh4NkxLUjFZM0wtYnNRY0N5NE1fTmEyeHhPN3Fteg?oc=5) · wetzelchronicle.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13012 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "13012", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide