First Community Bank
Lexington, SC · Cert 34047 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 25 of 313).
- Widest gap: efficiency ratio trails 63% of banks $1B-$10B in assets (rank 201 of 319).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 164 of 319
Net Interest Margin
3.27%
Rank 197 of 319
Efficiency Ratio
63.75%
Rank 201 of 319
Equity / Assets
9.90%
Rank 182 of 319
Non-interest income vs. expense
Unfavorable gap of $41.5M · efficiency ratio beats 37% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.91% | 1.21% | 1.53% | Beats 49% | 164 / 319 | |
| Return on Equity | 12.12% | 8.49% | 11.44% | 14.57% | Beats 55% | 145 / 319 | |
| Net Interest Margin | 3.27% | 3.06% | 3.43% | 3.81% | Beats 38% | 197 / 319 | |
| Efficiency Ratio | 63.75% | 51.90% | 59.57% | 67.64% | Beats 37% | 201 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.25% | 0.54% | 1.18% | Beats 92% | 25 / 313 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 86% | 45 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.74% | 12.99% | 15.28% | Beats 50% | 161 / 319 | |
| Total Risk-Based Capital Ratio | 14.13% | 12.61% | 14.01% | 16.23% | Beats 51% | 155 / 319 | |
| Equity / Assets | 9.90% | 9.03% | 10.33% | 12.01% | Beats 43% | 182 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 78.31% | 76.76% | 88.16% | 95.43% | 27th pctl | 230 / 314 | |
| Loans / Assets | 66.79% | 65.79% | 74.05% | 79.84% | 28th pctl | 231 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |