BlastPoint's Banking Scorecard
First Community Bank
Lexington, SC
23 branches across SC · GA
First Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41.8% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.1% in tier
- - Cost Spiral: Bottom 38.7% in tier
- - ROA 0.28% below tier average
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+17.8% YoY
+16.7% QoQ
|
-$414.6M |
$2.8B
-0.1% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$1.5B
+23.5% YoY
+17.6% QoQ
|
-$427.1M |
$2.0B
+0.6% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$2.1B
+18.7% YoY
+17.0% QoQ
|
-$289.9M |
$2.3B
-0.3% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.09%
+16.0% YoY
+2.0% QoQ
|
-0.28% |
1.37%
+19.6% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.57%
+14.1% YoY
+8.0% QoQ
|
-0.24% |
3.82%
+6.9% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
69.76%
+7.8% YoY
+10.0% QoQ
|
+8.70% |
61.06%
-4.6% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.04%
+152.2% YoY
+185.6% QoQ
|
-0.84% |
0.89%
+14.1% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
Top 6.2% in tier |
| Loan-to-Deposit Ratio ? |
74.88%
+4.0% YoY
+0.5% QoQ
|
-9.32% |
84.20%
+0.3% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
26.71%
-2.2% YoY
-0.9% QoQ
|
+5.43% |
21.29%
-2.5% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.04%
+10.2% YoY
+96.5% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
Top 7.1% in tier |
| Tier 1 Capital Ratio ? |
12.80%
-0.8% YoY
-2.4% QoQ
|
-2.36% |
15.16%
+2.0% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.19%
+2.4% YoY
-75.3% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.