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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.91% | 1.22% | 1.52% | Beats 48% | 171 / 328 | | |
| Return on Equity | 12.12% | 8.43% | 11.45% | 14.43% | Beats 55% | 147 / 328 | | |
| Net Interest Margin | 3.27% | 3.03% | 3.45% | 3.83% | Beats 39% | 200 / 328 | | |
| Efficiency Ratio | 63.75% | 51.61% | 59.56% | 67.53% | Beats 37% | 209 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.03% | Beats 92% | 27 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 85% | 49 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.75% | 13.15% | 15.47% | Beats 48% | 172 / 328 | | |
| Total Risk-Based Capital Ratio | 14.13% | 12.63% | 14.15% | 16.46% | Beats 50% | 165 / 328 | | |
| Equity / Assets | 9.90% | 9.15% | 10.33% | 12.01% | Beats 43% | 187 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.31% | 76.63% | 87.92% | 95.36% | 28th pctl | 234 / 323 | | |
| Loans / Assets | 66.79% | 65.18% | 74.15% | 79.98% | 28th pctl | 235 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |