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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