First Community Bank (FDIC #34047): Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #34047): bank stress 66/100, elevated, STABLE over 7 days; parent FIRST COMMUNITY CORP.

First Community Bank (#34047) lends in 12 counties across 2 states; First Community Bank (#34047) reaches 205 ZIP codes: South Carolina 9 counties, 142 ZIPs; Georgia 3 counties, 63 ZIPs.

First Community Bank (#34047) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#34047), Greenville County, SC (54 branches, 27 ZIPs) (#34047), Richland County, SC (100 branches, 25 ZIPs) (#34047), Aiken County, SC (23 branches, 23 ZIPs) (#34047), Anderson County, SC (19 branches, 19 ZIPs) (#34047), Lexington County, SC (108 branches, 18 ZIPs) (#34047).

First Community Bank (#34047) reports $2.38 billion in total assets; First Community Bank (#34047) equity $235.7 million (9.9% of First Community Bank (#34047) assets); First Community Bank (#34047) domestic deposits $2.03 billion; First Community Bank (#34047) net income $14.3 million; First Community Bank (#34047) return on assets 1.25%; First Community Bank (#34047) return on equity 13.39%; First Community Bank (#34047) net interest income $38.3 million; First Community Bank (#34047) call report June 30, 2026.

First Community Bank (#34047) noncurrent real-estate loans: none reported; First Community Bank (#34047) net charge-offs on real estate 0.04%.

First Community Bank (#34047) net interest margin 3.61% against an eight-quarter First Community Bank (#34047) average of 3.26% (First Community Bank (#34047) compression -0.35 points); First Community Bank (#34047) rate-exposure score 40/100, First Community Bank (#34047) fixed-rate trap 40/100; First Community Bank (#34047) risk type credit driven; First Community Bank (#34047) rate regime rates elevated, First Community Bank (#34047) snapshot October 20, 2026.

First Community Bank (#34047) stress score moved from 68.9 on June 22, 2026 to 65.8 on October 20, 2026; First Community Bank (#34047) ranged 65.8 to 68.9 over 117 snapshots.

First Community Bank (#34047) alerts: 12 counties; top First Community Bank (#34047) alert scores: Aiken County, SC 46 (moderate); Greenville County, SC 40 (moderate); Atlanta County, SC 23 (low); Augusta County, SC 23 (low); Camden County, SC 23 (low).