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First Community Bank

Lexington, SC · Cert 34047 · First Community Corp.

State charter, non-member · FDIC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First Community Bank

Lexington, SC · Cert 34047 · First Community Corp.

State charter, non-member · FDIC · 22 branches

Q2 2026

$2.4BAssets
$1.6BLoans
$2.0BDeposits
$235.7MEquity
Loan mix
93%RE $1.4B5%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.5B26%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.57%Q2 ’244.61%Q2 ’254.81%Q2 ’26+10%+10%

Non-interest income vs. expense

2.40%Q2 ’242.39%Q2 ’252.60%Q2 ’26-5%+8%

Market Position · Columbia, SC · 2026 SOD (annual) · 4.2% share · #6 of 28 inst. · $1.1B of $27.2B

11.3% Lexington
1.6% Richland
33.2% Newberry
0.2% Fulton

Executive Summary

  • Earnings: ROA of 1.25%, up 22 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.05% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.29%, up 85 bps from a year ago.
  • Funding: loans stand at 78.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+30 bps YoY

Efficiency Ratio (YTD, annualized)

63.34%-67 bps YoY

Tier 1 Leverage Ratio

9.29%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.06%1.07%1.09%1.25%+22 bps
Return on Equity13.03%13.22%13.18%12.01%13.39%+36 bps
Net Interest Margin2.97%3.02%3.05%3.20%3.27%+30 bps
Efficiency Ratio64.01%63.83%63.44%69.76%63.34%-67 bps
Non-Interest Burden1.62%1.64%1.64%1.98%1.74%+12 bps
Growth
Asset Growth (YoY)8.52%6.33%5.13%17.79%16.42%+790 bps
Loan Growth (YoY)6.28%7.30%7.44%23.59%25.11%+1,883 bps
Deposit Growth (YoY)9.24%7.74%4.46%18.69%15.46%+623 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.05%0.02%0.04%0.05%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.05%1.04%1.18%1.16%+12 bps
Allowance Coverage of NPLs48.3x19.6x67.7x26.8x25.8x-22.5x
Capital
Tier 1 Leverage Ratio8.44%8.55%8.66%9.09%9.29%+85 bps
Total Risk-Based Capital14.10%14.15%14.16%13.98%14.13%+3 bps
Equity / Assets8.05%8.24%8.54%9.54%9.90%+185 bps
Liquidity & Funding
Loans / Deposits72.27%72.50%75.29%75.78%78.31%+604 bps
Liquid Assets / Assets17.27%17.53%16.15%15.46%13.25%-401 bps
CRE / Total Capitaln/a493%494%520%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

First Community Bank

Lexington, SC · Cert 34047 · Peer group: banks $1B-$10B in assets (n=311-317) · First Community Corp.

State charter, non-member · FDIC · 22 branches

Q2 2026

$2.4BAssets
$1.6BLoans
$2.0BDeposits
$235.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 92% of banks $1B-$10B in assets (rank 27 of 311).
  • Widest gap: efficiency ratio trails 63% of banks $1B-$10B in assets (rank 201 of 317).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.20%

Rank 164 of 317

Net Interest Margin

3.27%

Rank 196 of 317

Efficiency Ratio

63.75%

Rank 201 of 317

Equity / Assets

9.90%

Rank 183 of 317

Non-interest income vs. expense

$20.3M$61.8MINCOMEEXPENSE
Unfavorable gap of $41.5M · efficiency ratio beats 37% of banks $1B-$10B in assets
Bank 63.75%Peer median 59.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.93%1.22%1.51%Beats 48%164 / 317
Return on Equity12.12%8.63%11.43%14.48%Beats 55%142 / 317
Net Interest Margin3.27%3.06%3.45%3.83%Beats 38%196 / 317
Efficiency Ratio63.75%51.90%59.69%67.53%Beats 37%201 / 317
Asset Quality
Nonperforming Loans / Loans0.05%0.24%0.51%1.14%Beats 92%27 / 311
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 85%49 / 311
Capital
Tier 1 Capital Ratio12.98%11.75%13.15%15.30%Beats 48%166 / 317
Total Risk-Based Capital Ratio14.13%12.63%14.21%16.26%Beats 49%161 / 317
Equity / Assets9.90%9.06%10.32%11.95%Beats 42%183 / 317
Liquidity & Funding
Loans / Deposits78.31%76.63%88.04%95.67%28th pctl226 / 312
Loans / Assets66.79%65.41%74.05%79.71%28th pctl227 / 317
Brokered Deposits / Depositsn/aNot reported for this institution