First Community Bank (FDIC #13012): Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #13012): bank stress 35/100, contained, STABLE over 7 days; parent FIRST COMMUNITY BANKSHARES INC.

First Community Bank (#13012) lends in 36 counties across 4 states; First Community Bank (#13012) reaches 467 ZIP codes: West Virginia 14 counties, 247 ZIPs; Virginia 14 counties, 138 ZIPs; North Carolina 7 counties, 69 ZIPs; Tennessee 1 county, 13 ZIPs.

First Community Bank (#13012) largest markets: Raleigh County, WV (90 branches, 45 ZIPs) (#13012), Wyoming County, WV (80 branches, 40 ZIPs) (#13012), Logan County, WV (34 branches, 34 ZIPs) (#13012), Nicholas County, WV (81 branches, 27 ZIPs) (#13012), Wilkes County, NC (23 branches, 23 ZIPs) (#13012), Mercer County, WV (120 branches, 20 ZIPs) (#13012).

First Community Bank (#13012) reports $3.61 billion in total assets; First Community Bank (#13012) equity $510.5 million (14.2% of First Community Bank (#13012) assets); First Community Bank (#13012) domestic deposits $3.04 billion; First Community Bank (#13012) net income $35.9 million; First Community Bank (#13012) return on assets 2.05%; First Community Bank (#13012) return on equity 14.59%; First Community Bank (#13012) net interest income $68.3 million; First Community Bank (#13012) call report June 30, 2026.

First Community Bank (#13012) noncurrent real-estate loans: none reported; First Community Bank (#13012) residential -0.01%; First Community Bank (#13012) net charge-offs on real estate 0.67%; First Community Bank (#13012) multifamily charge-offs 0.33%; First Community Bank (#13012) residential charge-offs 0.18%.

First Community Bank (#13012) net interest margin 4.44% against an eight-quarter First Community Bank (#13012) average of 4.41% (First Community Bank (#13012) compression -0.04 points); First Community Bank (#13012) non-residential real estate 18.3% of equity; First Community Bank (#13012) rate-exposure score 40/100, First Community Bank (#13012) fixed-rate trap 40/100; First Community Bank (#13012) risk type rate trapped; First Community Bank (#13012) rate regime rates elevated, First Community Bank (#13012) snapshot October 20, 2026.

First Community Bank (#13012) stress score moved from 46.4 on June 22, 2026 to 34.9 on October 20, 2026; First Community Bank (#13012) ranged 34.9 to 46.4 over 117 snapshots.

First Community Bank (#13012) alerts: 36 counties; top First Community Bank (#13012) alert scores: Pulaski County, VA 36 (moderate); Radford County, VA 34 (low); Henrico County, VA 31 (low); Richmond County, VA 30 (low); Bristol County, VA 29 (low).