Bluefield, VA · Cert 13012 · First Community Bankshares Inc.
State charter, Fed member · FED · 67 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 5.7% share · #6 of 24 inst. · $0.3B of $5.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.59% | 1.51% | 1.55% | 1.55% | 1.55% | 1.48% | 2.05% | +50 bps | |
| Return on Equity | 11.08% | 11.08% | 10.50% | 10.75% | 10.71% | 10.73% | 10.54% | 14.59% | +385 bps | |
| Net Interest Margin | 4.09% | 4.10% | 3.95% | 3.97% | 4.03% | 4.06% | 3.97% | 3.93% | -4 bps | |
| Efficiency Ratio | 57.39% | 57.43% | 59.50% | 59.65% | 60.33% | 60.81% | 60.87% | 52.56% | -708 bps | |
| Non-Interest Burden | 1.76% | 1.76% | 1.75% | 1.77% | 1.82% | 1.85% | 1.86% | 1.15% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | -1.27% | 0.04% | -1.79% | 0.18% | 1.52% | 13.38% | 14.01% | +1,580 bps | |
| Loan Growth (YoY) | -5.76% | -6.07% | -5.44% | -4.85% | -4.62% | -4.19% | 3.08% | 4.52% | +938 bps | |
| Deposit Growth (YoY) | -3.38% | -1.53% | 0.02% | -1.94% | -0.18% | 1.00% | 13.94% | 14.30% | +1,624 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.83% | 0.84% | 0.79% | 0.71% | 0.61% | 0.72% | 0.70% | -10 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.22% | 0.23% | 0.16% | 0.19% | 0.18% | 0.12% | 0.17% | +1 bps | |
| Allowance / Loans | 1.44% | 1.44% | 1.42% | 1.40% | 1.36% | 1.33% | 1.37% | 1.33% | -8 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 1.7x | 1.8x | 1.9x | 2.2x | 1.9x | 1.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.24% | 10.32% | 10.37% | 10.37% | 10.43% | 10.38% | 10.26% | 10.23% | -14 bps | |
| Total Risk-Based Capital | 15.02% | 15.15% | 15.28% | 15.54% | 15.60% | 15.71% | 15.99% | 16.58% | +103 bps | |
| Equity / Assets | 14.61% | 14.40% | 14.37% | 14.63% | 14.59% | 14.30% | 13.73% | 14.15% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.69% | 89.64% | 88.16% | 88.51% | 87.61% | 85.03% | 79.75% | 80.94% | -757 bps | |
| Liquid Assets / Assets | 0.12% | 0.08% | 0.00% | 0.33% | 0.06% | 1.33% | 1.38% | 1.29% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 341% | 326% | n/a | n/a | |