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First Community Bank

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

Bluefield, VA

67 branches across WV · VA · NC · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +14.3% year over year ($3.0B on the books).
  • Delinquency rate 0.70%.
  • Return on assets 2.05%.
  • Efficiency ratio 52.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

First Community Bank shows strong momentum with 5 strengths and 14.0% 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 10.4% in tier
  • + Profitability Leader: Top 20.3% in tier
  • + Deposit Franchise: Top 67.5% in tier
  • + Efficiency Ratio 7.16% below tier average
  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $3.6B
+14.0% YoY -1.0% QoQ
+$814.4M $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $2.4B
+4.6% YoY +0.2% QoQ
+$463.9M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $3.0B
+14.3% YoY -1.3% QoQ
+$720.2M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 2.05%
+31.9% YoY +39.0% QoQ
+0.66% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Top 10.3% in tier
Net Interest Margin ? 4.44%
+2.0% YoY +0.9% QoQ
+0.57% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 14.7% in tier
Efficiency Ratio ? 52.56%
-11.9% YoY -13.6% QoQ
-7.16% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.70%
-12.4% YoY -3.6% QoQ
-0.16% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 79.86%
-8.5% YoY +1.5% QoQ
-5.17% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 32.02%
-2.5% YoY +2.8% QoQ
+10.75% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 11.4% in tier
Nonperforming Asset Ratio ? 0.48%
-21.3% YoY -2.1% QoQ
-0.20% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 15.32%
+7.2% YoY +4.0% QoQ
+0.48% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.97%
+41.3% YoY +189.8% QoQ
+0.44% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 6.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 32.0%
-0.8pp YoY
+0.9pp QoQ
 +10.7pp 21.4% 26.2% 22.2% 88%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.4pp 9.5% 8.5% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 9.4%
0.0pp YoY
0.0pp QoQ
 -4.6pp 14.0% 11.0% 12.5% 41%
CRE 46.9%
+0.4pp YoY
+0.6pp QoQ
 -3.1pp 50.0% 46.9% 41.4% 42%
1-4 Family 39.0%
0.0pp YoY
-0.3pp QoQ
 +12.6pp 26.4% 32.6% 31.3% 81%
Consumer 2.0%
-1.1pp YoY
-0.3pp QoQ
 -2.7pp 4.7% 8.0% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 15.3%
+1.0pp YoY
+0.6pp QoQ
 -0.3pp 15.6% 17.2% 19.7% 73%
Leverage Ratio 10.2%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 11.3% 12.2% 12.6% 43%
Total Capital Ratio 16.6%
+1.0pp YoY
+0.6pp QoQ
 -0.1pp 16.7% 18.3% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 614
+20 (+3.4%) YoY
+4 (+0.7%) QoQ
 +300 313 1,956 482 90%
Assets per Employee ($) $5.9M
+10.3% YoY
-1.7% QoQ
 -$4.6M $10.5M $9.9M $8.8M 10%
Branch Count 67
+7 (+11.7%) YoY
-1 (-1.5%) QoQ
 +47 20 28 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 33%
Nonaccrual 0.7%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.8% 0.7% 1.0% 62%
Allowance Coverage 1.91x
+7.9% YoY
+0.8% QoQ
 -16.80x 18.71x 9.47x 20.23x 47%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.2% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 14.6%
+3.8pp YoY
+4.1pp QoQ
 +2.0pp 12.6% 12.0% 11.6% 70%
Cost of Funds (YTD) 0.6%
-0.1pp YoY
0.0pp QoQ
 -1.3pp 1.9% 1.7% 1.7% 2%
Net Income ($, YTD) $35.9M
+44.6% YoY
— QoQ
 +$16.6M $19.2M $137.1M $40.4M 86%

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 (3)

Revenue Diversifier

growth
#24 of 222 • Top 10.4% 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: 0.97%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.05%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#46 of 222 • Top 20.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.05%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#55 of 80 • Top 67.5% 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: 32.02%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.44%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

59
Non-Interest Income / Assets
revenue_mix
Value: 0.97%
Peer Median: 0.53%
#59 of 885 Top 6.6% in $1B-$10B
92
Return on Assets
profitability
Value: 2.05%
Peer Median: 1.39%
#92 of 885 Top 10.3% in $1B-$10B
102
Non-Interest-Bearing Deposit Share
funding
Value: 32.02%
Peer Median: 21.27%
#102 of 885 Top 11.4% in $1B-$10B
131
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.87%
#131 of 885 Top 14.7% in $1B-$10B
197
Total Deposits
size
Value: $3.04B
Peer Median: $2.32B
#197 of 885 Top 22.1% in $1B-$10B
202
Total Assets
size
Value: $3.61B
Peer Median: $2.79B
#202 of 885 Top 22.7% in $1B-$10B
210
Tier 1 Capital Ratio
capital
Value: 15.32%
Peer Median: 14.84%
#210 of 885 Top 23.6% in $1B-$10B
221
Total Loans
size
Value: $2.43B
Peer Median: $1.96B
#221 of 885 Top 24.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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