# FIRST COMMUNITY BANK
LEXINGTON, SC · FDIC certificate 34047 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.38B | |
| Deposits | $2.03B | |
| Loans and leases | $1.59B | |
| Total equity | $235.7M | |
| Loans / deposits | 77.39% (p27 of band) | 87.10% |
| Liquid assets / assets | 28.13% (p73 of band) | |
| Uninsured deposits / deposits | 32.68% (p56 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.06% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p19 of band) | 10.50% |
| Unrealized securities loss / equity | -9.31% (p43 of band) | -7.75% |
| AOCI / equity | 0.08% (p83 of band) | |
| ROA (annualized) | 1.25% (p50 of band) | 1.26% |
| Net interest margin | 3.61% (p44 of band) | 3.70% |
| Efficiency ratio | 63.34% (p64 of band) | |
| Noncurrent loans | 0.05% (p9 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 2575.24% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 70.80% (p72 of band) | |
| Auto loans | $2.1M (0.13% of loans; DQ 7.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 15.5% | |
| Employees | 298 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 | construction >100% equity | capital falling |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-22 [First Community Corporation Announces Leadership Transition, Second Quarter Results and Increased Cash Dividend - PR Newswire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTVJGeGVEN3ZfcTVENzJlemlwTkh4QTlOZUFaSVg3NTJlbFlITmItbk5iR3lSbDlwRVhDYl8zY0d0RWdCemZ1ZDN4TlVHSFpObDI5YkZBZnJtREZFcHVrTVFRX2tWWFRXd2ZDdDRUWEpVVm1wNTh1M1d0OFVzbjlrRXRTNXhJVHBWQVlXcjF3NjAwcUdNTUs5d1pPMlJZc3FnMzVONFUzcVhLemRfR2tMcVVXellVZm5ONk01akFobXZ5azRVLU9oNTlLRVkyWlc1WXZwa3RVanlmOHlVY1hkZ0p2ZWJncl9rakdqcWxGWU9iX2tpNzBFRVZB?oc=5) · PR Newswire
- 2026-09-08 [First Community to present 2Q26 results, leadership transition and Signature Bank of GA acquisition details - TradingView](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPZ2pKTV9wSUx0czVEaFUtZ3pFLVZUV0JmUGlJVlRDbi1DNE0xZW5BSWNTaEItVWc5NnFqMGc0b0d5ZGxia2diS1BTZzFOZ19Rcng2c0lVbERBcHVWbFVRRnNOSENCamlpNzRacXhsdlVocWtDQzdXbWRHTG9sMG8ybGo0TUVWdFpYRWtVdG5Hc2E5QmlaM2U4UEdWTjdaU0xlenZsTVlucGZJcDk4ZXZFSzRodk13c05RMGFXR2NZclZEMHBPZFpVM2pSbHl3dVZCYlpadE5FQ3N5aVZKM1pKa19oamJveVlrdHJ4eEcxbFhST0xNOFkxQ241Slo?oc=5) · TradingView
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-22 [First Community Corporation Announces First Quarter Results and Cash Dividend - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPa2xZSlR5eEU5RC0xM29DT3NOT3NIM0tiNWl6dWZfTlFxMEU0bzB5ODJpTW9IT2w0OXl5VUN4ZFZQdGVDMWtCNmg3dEJTbngxTE5kT1lXQ3JfZF9wN1dLNC14dWc1aFg3LXdsOHA2Nm93d051YWM1WmVKN3pCSmR0SGtIcHJiTC1aSzluOENkRV9saEhCVFYza090aXF0LWU4aDVRSVF6UkJKYUdSc2pmYjd5RmExZnhQcmFqQ3BHOWhHcVZKM0NpZ0pHMl9JQQ?oc=5) · PR Newswire
- 2026-04-17 [Someone used a truck to rip an ATM from the ground in Blythewood. They didn't get the money. - WLTX](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPSzdxaFVVQktWaXNUaTNMS2NheEpHUmEtQmhKUVBVS0NzTnozNUdidHkwazJRRHE4dDY1d0Y1TEJ1WHJLekdIUWxIMUR4QW9TUm1FMnVZbFJsUU5kclVvMV9GTEM4ZDVkek5lWXEwTDlKX1IzcnhRRFFYSWYzYXVPMWpGM1o3VW5sMHdfZDRNOFJkMzVHU29uYVlMeFBoSDhRblU2bWtNOTgyYUFndW9oM2MzZFRrREdYQUFr?oc=5) · WLTX
- 2026-01-12 [Signature Bank of Georgia sells to out-of-state buyer for $50 million - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWWZhR1BTLWYyMWdnRHQ5bEJsOVB5OXFJbnZ6T1FLRzEzbVNiSEszQ3VPVTQwZ2JuQzI2anpfUHRjZWpHY1F4bzRnRnQwMkRLNXptV05HX25FTTFLdFRhUUQ5NlM5ank0TDNJdHRjT3JTRWhaVFZUc1h4R2VzLXVOS0lGclpQR2hobzNpNDRWRUZMZjRidFd3NjB6NHM2RkJWR0pzdDBfUQ?oc=5) · The Business Journals
- 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
- 2022-03-02 [A new banking option is on the way to Rock Hill. Here’s what it will offer - Rock Hill Herald](https://news.google.com/rss/articles/CBMickFVX3lxTFBJcS1zbHk1bEtYN25sODdUb25IbVhMM0xRUUNkXzNWV0JwSkt0RW9aNWV4azRkTXdqZDFCOEJscHk0bmJJYjVtbnBJUGozenhSSnozSGtteWR4Um81cUFyMGFDWGo1RzZEN2ppdnBlYldqUdIBckFVX3lxTE9BU3RudGtyOG80UVhMM0hDVzBkZFpPV0pWT3FxVDBnZ1hTVUpRWWpWaHptV0VTR1lMNkVidmRZMkg0YUZXdld2ZkZGT3hPTFdYckNka2VKT20ybzJxaDFiV2tIVnE0c0hGOFB0OHA5cUJTdw?oc=5) · Rock Hill Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34047 (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/63.json (key "34047", 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