BlastPoint's Banking Scorecard

First Community Bank

$1B-$10B Specialty: Commercial SC FDIC cert 34047

Lexington, SC

23 branches across SC · GA

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 13 in SC.
Deposits +15.5% year over year ($2.0B on the books).
Delinquency rate 0.05%.
Return on assets 1.25%.
Efficiency ratio 63.34% vs a 59.73% peer average.
Loan-to-deposit ratio 77.39% 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 13 in SC

View $1B-$10B leaderboard (SC) →

First Community Bank has 2 strengths but faces 4 concerns

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

+ Credit Quality Leader: Top 39.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.1% in tier
- ROA 0.14% below tier average
- Net Interest Margin 0.26% below tier average
- Efficiency Ratio 3.61% above tier average

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$2.4B +16.4% YoY -0.8% QoQ	-$412.4M	$2.8B -0.6% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$1.6B +25.0% YoY +2.2% QoQ	-$391.5M	$2.0B -0.3% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$2.0B +15.5% YoY -1.1% QoQ	-$288.0M	$2.3B -0.5% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	1.25% +21.5% YoY +15.0% QoQ	-0.14%	1.39% +17.0% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.61% +12.5% YoY +1.0% QoQ	-0.26%	3.87% +6.2% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	63.34% -1.1% YoY -9.2% QoQ	+3.61%	59.73% -12.6% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.05% +108.5% YoY +2.7% QoQ	-0.82%	0.87% +11.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	Top 7.6% in tier
Loan-to-Deposit Ratio ?	77.39% +8.2% YoY +3.4% QoQ	-7.64%	85.04% -0.1% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	26.25% -3.8% YoY -1.7% QoQ	+4.98%	21.27% -1.5% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.04% +62.1% YoY +4.9% QoQ	-0.64%	0.67% +11.7% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	Top 8.0% in tier
Tier 1 Capital Ratio ?	12.98% -0.5% YoY +1.3% QoQ	-1.86%	14.84% -0.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.43% +11.1% YoY +120.1% QoQ	-0.10%	0.53% +2.5% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	73%

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 (SC)	National Avg	Tier Percentile
Noninterest-Bearing	26.3% -1.0pp YoY -0.5pp QoQ	+4.9pp	21.4%	21.7%	22.2%	75%
Brokered Deposits	n/a	n/a	9.5%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	5.7% +0.5pp YoY +0.3pp QoQ	-8.3pp	14.0%	9.8%	12.5%	22%
CRE	71.3% +3.8pp YoY -0.1pp QoQ	+21.3pp	50.0%	43.3%	41.4%	89%
1-4 Family	21.4% -3.3pp YoY -0.1pp QoQ	-5.0pp	26.4%	44.4%	31.3%	45%
Consumer	1.3% -0.2pp YoY +0.1pp QoQ	-3.4pp	4.7%	4.5%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	13.0% -0.1pp YoY +0.2pp QoQ	-2.6pp	15.6%	18.1%	19.7%	41%
Leverage Ratio	9.3% +0.9pp YoY +0.2pp QoQ	-2.0pp	11.3%	12.3%	12.6%	18%
Total Capital Ratio	14.1% 0.0pp YoY +0.1pp QoQ	-2.6pp	16.7%	19.1%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	298 +25 (+9.2%) YoY +10 (+3.5%) QoQ	-16	313	174	482	65%
Assets per Employee ($)	$8.0M +6.7% YoY -4.2% QoQ	-$2.5M	$10.5M	$7.8M	$8.8M	39%
Branch Count	23 +1 (+4.5%) YoY 0 QoQ	+3	20	12	18	72%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.0%	0.4%	47%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.5%	1.0%	2%
Allowance Coverage	25.75x -46.7% YoY -3.9% QoQ	+7.04x	18.71x	15.59x	20.23x	95%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	13.4% +0.4pp YoY +1.4pp QoQ	+0.8pp	12.6%	11.7%	11.6%	60%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	42%
Net Income ($, YTD)	$14.3M +37.6% YoY — QoQ	-$5.0M	$19.2M	$9.6M	$40.4M	58%

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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 (1)

Credit Quality Leader

growth

#89 of 221 • Top 39.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#21 of 492 • Bottom 4.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.87%

#68 of 882 Top 7.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#72 of 885 Top 8.0% in $1B-$10B

220

Non-Interest-Bearing Deposit Share

funding

Value: 26.25%

Peer Median: 21.27%

#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available