First Community Bank
Bluefield, VA · Cert 13012 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Community Bankshares Inc.
State charter, Fed member · FED · 67 branches
Q2 2026
$3.6BAssets
$2.5BLoans
$3.0BDeposits
$510.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 176).
- Widest gap: net charge-offs / loans trails 82% of banks $1B-$10B in assets operating regionally (rank 146 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.99%
Rank 13 of 176
Net Interest Margin
3.93%
Rank 43 of 176
Efficiency Ratio
54.20%
Rank 55 of 176
Equity / Assets
14.15%
Rank 12 of 176
Non-interest income vs. expense
Unfavorable gap of $41.9M · efficiency ratio beats 69% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.99% | 0.93% | 1.26% | 1.54% | Beats 93% | 13 / 176 | |
| Return on Equity | 14.06% | 9.26% | 11.89% | 14.46% | Beats 70% | 53 / 176 | |
| Net Interest Margin | 3.93% | 3.25% | 3.59% | 3.93% | Beats 76% | 43 / 176 | |
| Efficiency Ratio | 54.20% | 52.79% | 59.55% | 67.66% | Beats 69% | 55 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.30% | 0.64% | 1.32% | Beats 47% | 95 / 176 | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.04% | 0.10% | Beats 18% | 146 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 15.32% | 11.15% | 12.72% | 14.15% | Beats 86% | 24 / 176 | |
| Total Risk-Based Capital Ratio | 16.58% | 11.81% | 13.63% | 15.33% | Beats 87% | 23 / 176 | |
| Equity / Assets | 14.15% | 9.16% | 10.35% | 11.80% | Beats 93% | 12 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 80.94% | 80.94% | 89.73% | 97.21% | 25th pctl | 132 / 176 | |
| Loans / Assets | 68.18% | 69.25% | 75.12% | 80.82% | 19th pctl | 142 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |