Lexington, SC · Cert 34047 · First Community Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · Columbia, SC · 2026 SOD (annual) · 4.2% share · #6 of 28 inst. · $1.1B of $27.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.97% | 0.94% | 1.12% | 1.11% | 1.10% | 1.09% | 1.37% | +26 bps | |
| Return on Equity | 11.74% | 12.38% | 11.97% | 14.04% | 13.59% | 13.08% | 12.01% | 14.14% | +10 bps | |
| Net Interest Margin | 2.86% | 2.89% | 2.95% | 3.06% | 3.17% | 3.20% | 3.20% | 3.37% | +31 bps | |
| Efficiency Ratio | 66.87% | 64.57% | 64.70% | 63.36% | 63.50% | 62.31% | 69.76% | 57.43% | -594 bps | |
| Non-Interest Burden | 1.67% | 1.59% | 1.63% | 1.65% | 1.71% | 1.69% | 1.98% | 1.53% | -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 / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.05% | 0.02% | 0.04% | 0.05% | +2 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.08% | 1.05% | 1.05% | 1.04% | 1.18% | 1.16% | +12 bps | |
| Allowance Coverage of NPLs | 39.2x | 49.2x | 61.9x | 48.3x | 19.6x | 67.7x | 26.8x | 25.8x | -22.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.40% | 8.45% | 8.44% | 8.55% | 8.66% | 9.09% | 9.29% | +85 bps | |
| Total Risk-Based Capital | 14.00% | 13.94% | 13.99% | 14.10% | 14.15% | 14.16% | 13.98% | 14.13% | +3 bps | |
| Equity / Assets | 7.87% | 7.86% | 7.83% | 8.05% | 8.24% | 8.54% | 9.54% | 9.90% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.80% | 73.20% | 72.77% | 72.27% | 72.50% | 75.29% | 75.78% | 78.31% | +604 bps | |
| Liquid Assets / Assets | 18.36% | 17.01% | 18.60% | 17.27% | 17.53% | 16.15% | 15.46% | 13.25% | -401 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 493% | 494% | 520% | n/a | n/a | |