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
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% | 0.93% | 1.22% | 1.51% | Beats 48% | 164 / 317 | | |
| Return on Equity | 12.12% | 8.63% | 11.43% | 14.48% | Beats 55% | 142 / 317 | | |
| Net Interest Margin | 3.27% | 3.06% | 3.45% | 3.83% | Beats 38% | 196 / 317 | | |
| Efficiency Ratio | 63.75% | 51.90% | 59.69% | 67.53% | Beats 37% | 201 / 317 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.14% | Beats 92% | 27 / 311 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 85% | 49 / 311 | | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.75% | 13.15% | 15.30% | Beats 48% | 166 / 317 | | |
| Total Risk-Based Capital Ratio | 14.13% | 12.63% | 14.21% | 16.26% | Beats 49% | 161 / 317 | | |
| Equity / Assets | 9.90% | 9.06% | 10.32% | 11.95% | Beats 42% | 183 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.31% | 76.63% | 88.04% | 95.67% | 28th pctl | 226 / 312 | | |
| Loans / Assets | 66.79% | 65.41% | 74.05% | 79.71% | 28th pctl | 227 / 317 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |