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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=322 to 328). 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

59

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 2026-10-11

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 $0.0BQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $1.5B26%Noninterest $0.5BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.84%0.94%1.03%1.06%1.07%1.09%1.25%+22 bps
Return on Equity10.34%10.89%11.97%13.03%13.22%13.18%12.01%13.39%+36 bps
Net Interest Margin2.72%2.72%2.95%2.97%3.02%3.05%3.20%3.27%+30 bps
Efficiency Ratio69.32%68.05%64.70%64.01%63.83%63.44%69.76%63.34%-67 bps
Non-Interest Burden1.66%1.62%1.63%1.62%1.64%1.64%1.98%1.74%+12 bps
Growth
Asset Growth (YoY)8.19%7.08%8.09%8.52%6.33%5.13%17.79%16.42%+790 bps
Loan Growth (YoY)9.43%8.06%8.63%6.28%7.30%7.44%23.59%25.11%+1,883 bps
Deposit Growth (YoY)10.01%10.86%9.36%9.24%7.74%4.46%18.69%15.46%+623 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.02%0.02%0.05%0.02%0.04%0.05%+2 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.07%1.08%1.05%1.05%1.04%1.18%1.16%+12 bps
Allowance Coverage of NPLs39.2x49.2x61.9x48.3x19.6x67.7x26.8x25.8x-22.5x
Capital
Tier 1 Leverage Ratio8.39%8.40%8.45%8.44%8.55%8.66%9.09%9.29%+85 bps
Total Risk-Based Capital14.00%13.94%13.99%14.10%14.15%14.16%13.98%14.13%+3 bps
Equity / Assets7.87%7.86%7.83%8.05%8.24%8.54%9.54%9.90%+185 bps
Liquidity & Funding
Loans / Deposits72.80%73.20%72.77%72.27%72.50%75.29%75.78%78.31%+604 bps
Liquid Assets / Assets18.36%17.01%18.60%17.27%17.53%16.15%15.46%13.25%-401 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

First Community Bank

Lexington, SC · Cert 34047 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 322).
  • Widest gap: efficiency ratio trails 63% of banks $1B-$10B in assets (rank 209 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.20%

Rank 171 of 328

Net Interest Margin

3.27%

Rank 200 of 328

Efficiency Ratio

63.75%

Rank 209 of 328

Equity / Assets

9.90%

Rank 187 of 328

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 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.20%0.91%1.22%1.52%Beats 48%171 / 328
Return on Equity12.12%8.43%11.45%14.43%Beats 55%147 / 328
Net Interest Margin3.27%3.03%3.45%3.83%Beats 39%200 / 328
Efficiency Ratio63.75%51.61%59.56%67.53%Beats 37%209 / 328
Asset Quality
Nonperforming Loans / Loans0.05%0.24%0.51%1.03%Beats 92%27 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 85%49 / 322
Capital
Tier 1 Capital Ratio12.98%11.75%13.15%15.47%Beats 48%172 / 328
Total Risk-Based Capital Ratio14.13%12.63%14.15%16.46%Beats 50%165 / 328
Equity / Assets9.90%9.15%10.33%12.01%Beats 43%187 / 328
Liquidity & Funding
Loans / Deposits78.31%76.63%87.92%95.36%28th pctl234 / 323
Loans / Assets66.79%65.18%74.15%79.98%28th pctl235 / 328
Brokered Deposits / Depositsn/aNot reported for this institution