BlastPoint's Banking Scorecard

First Community Bank

$1B-$10B Specialty: Commercial VA FDIC cert 13012

Bluefield, VA

68 branches across WV · VA · NC · TN

884 banks in the $1B-$10B peer group nationally 24 in VA

First Community Bank shows strong momentum with 5 strengths and 13.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 42.1% in tier
+ Deposit Franchise: Top 68.6% in tier
+ ROA 0.11% above tier average
+ Efficiency Ratio 0.19% below tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$3.6B +13.4% YoY +12.2% QoQ	+$829.1M	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$2.4B +3.1% YoY +6.1% QoQ	+$457.6M	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$3.1B +13.9% YoY +13.1% QoQ	+$736.2M	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.48% -2.3% YoY -4.9% QoQ	+0.11%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	4.40% +2.7% YoY -0.9% QoQ	+0.59%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Top 14.9% in tier
Efficiency Ratio ?	60.87% +2.3% YoY +0.1% QoQ	-0.19%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.73% -14.6% YoY +17.9% QoQ	-0.16%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	78.67% -9.5% YoY -6.2% QoQ	-5.54%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	31.16% -5.8% YoY -5.4% QoQ	+9.87%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	Top 13.6% in tier
Nonperforming Asset Ratio ?	0.49% -23.4% YoY +11.5% QoQ	-0.19%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	14.73% +5.0% YoY +1.9% QoQ	-0.43%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.34% -0.1% YoY -76.0% QoQ	+0.08%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	Top 11.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#94 of 221 • Top 42.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.48%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#60 of 86 • Top 68.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.16%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.40%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.26%

#98 of 884 Top 11.0% in $1B-$10B

121

Non-Interest-Bearing Deposit Share

funding

Value: 31.16%

Peer Median: 21.29%

#121 of 884 Top 13.6% in $1B-$10B

133

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.82%

#133 of 884 Top 14.9% in $1B-$10B

196

Total Deposits

size

Value: $3.08B

Peer Median: $2.34B

#196 of 884 Top 22.1% in $1B-$10B

201

Total Assets

size

Value: $3.64B

Peer Median: $2.82B

#201 of 884 Top 22.6% in $1B-$10B

217

Total Loans

size

Value: $2.42B

Peer Median: $1.96B

#217 of 884 Top 24.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available