First Community Bank: Bank Stress & Real-Estate Credit Exposure

First Community Bank (FDIC Cert #34047) carries a DLRadar bank-stress score of 66/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

What separates this from a plain credit rating is the geographic weighting — First Community Bank's 66/100 reading reflects not just its balance sheet but the 11 counties it lends into, so the score doubles as a map of where its stress will land first. Because First Community Bank is held under First Community Corp, its financials are open to scrutiny and its trend can be independently checked. County by county, that footprint includes Greenville County, SC, Richland County, SC, Aiken County, SC, Anderson County, SC, among others DLRadar tracks parcel by parcel. The value is in the linkage: First Community Bank's elevated reading is mapped onto 157 ZIP codes and 11 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. DLRadar maps First Community Bank into 11 counties (157 ZIP codes) across 2 states — a compact, regionally concentrated lending base. It concentrates most in South Carolina (9 counties), Georgia (2 counties). No bank is too small to score the same way: First Community Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 11-county, 157-ZIP profile means exactly what it would for any institution nationwide. A elevated score on a footprint this size means the markets First Community Bank touches inherit a corresponding share of that lending pressure.

The acquisition angle is simple — lending capacity is what moves deals. As First Community Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.