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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

First Community Bank

Lexington, South Carolina · $2.38B in assets · beside the 11 other South Carolina banks between $1B and $3B

The filing

47.1%
CRE / loans
12th of 12
+25.1%
Loans, year over year
1st of 12, largest first
316.4%
CRE / capital
10th of 12

First Community Bank is the second largest of the 12 South Carolina banks between $1B and $3B, with $2.38B in assets at 30 June 2026. Loans are 78.3% of deposits, 5th of 12 against a median of 80.5%, and equity is 9.9% of assets, 4th of 12. Loans grew +25.1% in the year, the fastest in the cohort, and deposits grew 15.5%; the cohort's median loan growth is +7.4%.

Noncurrent loans are 0.05% of the book, 4th of 12 against a median of 0.11%; 0.24% is 30 to 89 days past due, and the allowance covers them 25.8 times. Commercial real estate is 47.1% of loans, the highest in the cohort against a median of 35.8%, and 316% of capital, above the 300% screen, with construction at 70% against the 100% screen. CRE has grown +63.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.20%, 6th of 12 against a median of 1.20%, on an efficiency ratio of 63.7%, 9th of 12. Five years ago it was 0.97%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 23.4% of loans).

Commercial real estate, share of loansSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 35.8% CB Citizens Bank 19.3% Bo Bank of Travelers Rest 26.8% CN Conway National Bank 31.2% FR First Reliance Bank 31.4% AB Anderson Brothers Bank 34.0% CS Coastal States Bank 35.3% CC Coastal Carolina National Bank 36.2% FP First Palmetto Bank 37.0% SF Security Federal Bank 37.2% FC First Capital Bank 38.6% SA South Atlantic Bank 42.7% FC First Community Bank 47.1%
Loans, year over yearSC banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.4% FC First Community Bank +25.1% FC First Capital Bank +22.0% AB Anderson Brothers Bank +13.7% CC Coastal Carolina National Bank +12.1% CS Coastal States Bank +11.1% SA South Atlantic Bank +7.6% CB Citizens Bank +7.1% Bo Bank of Travelers Rest +5.0% FR First Reliance Bank +4.9% FP First Palmetto Bank +4.4% CN Conway National Bank +3.6% SF Security Federal Bank -1.5%

SBA 7(a), FY2008 to FY2026

First Community Bank is the 21st largest 7(a) lender into Georgia of 409, with $236M across 238 loans, 1.2% of everything approved in the state (Metro City Bank leads with $1.91B). 31 of its 64 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$53M17th of 2111.7%+0.0 pts
Gwinnett, GA$42M16th of 1691.8%+4.0 pts
Forsyth, GA$24M7th of 1203.3%-0.7 pts
Dekalb, GA$20M19th of 1511.2%-2.6 pts
Cobb, GA$17M27th of 1821.0%+2.3 pts
Rockdale, GA$14M2nd of 805.7%+23.5 pts
Hall, GA$9M13th of 972.1%quiet FY2022
Clayton, GA$6M22nd of 931.6%thin
Barrow, GA$5M9th of 723.3%thin
Colbert, AL$5M1st of 2223.1%thin
Berrien, GA$5M1st of 1518.5%quiet FY2019
Cherokee, GA$4M48th of 1170.8%thin
Spalding, GA$4M5th of 415.0%thin
51 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade66$99M36.2%0.16%111th of 2,589
Accommodation & food services36$34M12.5%0.04%281st of 2,596
Other services15$29M10.5%0.08%184th of 2,248
Health care & social assistance31$28M10.3%0.06%204th of 2,172
Finance & insurance34$16M5.9%0.23%52nd of 1,111
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and First Community Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans FC First Community Bank 1.2% $236M · 238 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
First Community BankRankCohort median
Total CRE against capital, the 300% screen316%10th of 12252%
Construction against capital, the 100% screen70%8th of 1258%
Construction and land development, share of loans10.5%8th of 129.7%
Non-owner-occupied nonfarm nonresidential, share of loans33.6%12th of 1222.2%
Total CRE, the guidance definition, share of loans47.1%12th of 1235.8%
CRE growth over 36 months, the third prong+63.2%10th of 12+24.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal States Bank$2.42B1.2%58.8%0.95%0.01%1.0%93.9%10.8%
First Community Bank$2.38B1.2%63.7%0.05%0.00%1.2%78.3%9.9%
Anderson Brothers Bank$2.38B1.5%59.2%0.59%0.90%1.6%88.2%8.7%
Conway National Bank$2.00B1.4%47.9%0.02%0.05%1.1%51.9%9.8%
South Atlantic Bank$1.98B1.1%59.2%0.01%0.00%0.9%92.0%8.6%
Bank of Travelers Rest$1.60B1.6%59.0%0.12%0.10%1.3%64.8%9.2%
Security Federal Bank$1.54B0.9%70.4%0.85%0.06%2.0%50.8%9.8%
Coastal Carolina National Bank$1.35B1.0%59.2%0.00%0.00%1.1%80.8%9.1%
First Capital Bank$1.32B1.1%53.3%0.10%0.00%1.0%98.4%9.3%
Citizens Bank$1.14B1.2%64.1%0.18%0.05%1.3%63.3%10.7%
First Reliance Bank$1.13B1.2%66.4%0.07%0.00%1.1%91.0%10.1%
First Palmetto Bank$1.10B1.4%54.8%0.15%0.03%1.5%80.2%9.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Community BankCohort median
20212026Change20212026Change
Loans$890M$1.59B+79%$576M$955M+66%
Deposits$1.29B$2.03B+57%$1.03B$1.39B+36%
NPA / loans0.92%0.05%-0.87 pts0.29%0.11%-0.18 pts
Efficiency66.3%63.7%-2.5 pts65.6%59.2%-6.5 pts
ROA0.97%1.20%+0.23 pts1.05%1.20%+0.15 pts

This read was prepared for First Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $1B to $3B
Institution www.firstcommunitysc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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