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

First Community Bank

Bluefield, Virginia · $3.61B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

14.2%
Equity / assets
1st of 12
1.97%
ROA
1st of 12
+4.5%
Loans, year over year
10th of 12, largest first

First Community Bank is the sixth largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $3.61B in assets at 30 June 2026. Loans are 80.9% of deposits, 4th of 12 against a median of 88.1%, and equity is 14.2% of assets, the highest in the cohort. Loans grew +4.5% in the year, 10th of 12, and deposits grew 14.3%; the cohort's median loan growth is +12.1%.

Noncurrent loans are 0.70% of the book, 6th of 12 against a median of 0.73%; 0.46% is 30 to 89 days past due, and the allowance covers them 1.9 times. Net charge-offs are 0.17% of loans, 7th of 12. Commercial real estate is 31.6% of loans, 5th of 12 against a median of 37.2%, and 202% of capital, below the 300% screen, with construction at 19% against the 100% screen.

Return on assets is 1.97%, the highest in the cohort against a median of 1.31%, on an efficiency ratio of 54.2%, 4th of 12. Five years ago it was 1.79%. The question is what the capital is for: the balance sheet carries less risk than it could.

Return on assetsSoutheast banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.31% FC First Community Bank 1.97% FB First Bank & Trust Co. 1.83% HB Hometrust Bank 1.57% BD Banco Do Brasil Americas 1.52% US U S Century Bank 1.47% MB MVB Bank Inc 1.40% Bo Bank of Tampa 1.22% VB Vallant Bank 1.20% GB Georgia Banking Co. 1.08% CB Colony Bank 1.08% PB Primis Bank 1.03% FC First Carolina Bank 0.77%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +12.1% VB Vallant Bank +84.1% CB Colony Bank +23.5% BD Banco Do Brasil Americas +16.7% GB Georgia Banking Co. +15.4% MB MVB Bank Inc +15.0% PB Primis Bank +13.6% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% FB First Bank & Trust Co. +6.1% FC First Community Bank +4.5% FC First Carolina Bank +1.7% HB Hometrust Bank -2.6%

SBA 7(a), FY2008 to FY2026

First Community Bank is the 14th largest 7(a) lender into North Carolina of 326, with $198M across 641 loans, 1.6% of everything approved in the state (Live Oak Banking Company leads with $1.40B). 20 of its 68 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in North Carolina, 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
Surry, NC$94M1st of 2968.4%-4.2 pts
Wilkes, NC$21M1st of 2730.5%+10.9 pts
Iredell, NC$16M4th of 885.3%-0.7 pts
Mecklenburg, NC$14M31st of 1770.7%thin
Forsyth, NC$12M10th of 863.1%quiet FY2018
Stokes, NC$9M1st of 1742.6%+0.2 pts
Yadkin, NC$9M2nd of 1523.8%-6.5 pts
Patrick, VA$7M1st of 692.5%-2.6 pts
Washington, VA$5M2nd of 1911.4%thin
Bland, VA$5M1st of 458.7%thin
Guilford, NC$5M32nd of 1250.8%quiet FY2022
Wake, NC$4M56th of 1810.3%+0.9 pts
Burke, NC$4M7th of 385.4%thin
55 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
Manufacturing118$46M18.0%0.11%158th of 2,246
Retail trade122$31M12.4%0.05%245th of 2,589
Accommodation & food services69$30M11.9%0.04%309th of 2,596
Construction134$29M11.4%0.09%175th of 2,063
Transportation & warehousing130$28M10.9%0.21%88th of 1,563
7(a) lenders into North Carolina, share of approvals since FY2008326 lenders on record; the ten largest and First Community Bank
LO Live Oak Banking Company 11.7% $1.40B · 1,090 loans FN First National Bank of Pennsylvan… 5.5% $656M · 942 loans TB Truist Bank 5.4% $645M · 1,934 loans WF Wells Fargo Bank National Associa… 5.0% $600M · 2,368 loans PB Pinnacle Bank 4.2% $508M · 541 loans G Gbank 4.1% $497M · 177 loans UC United Community Bank 2.8% $334M · 426 loans T Townebank 2.6% $309M · 326 loans TH The Huntington National Bank 2.4% $282M · 632 loans FB First Bank 2.2% $263M · 424 loans FC First Community Bank 1.7% $198M · 641 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% screen202%4th of 12252%
Construction against capital, the 100% screen19%2nd of 1260%
Construction and land development, share of loans2.9%2nd of 129.0%
Non-owner-occupied nonfarm nonresidential, share of loans20.9%5th of 1222.7%
Total CRE, the guidance definition, share of loans31.6%5th of 1237.2%
CRE growth over 36 months, the third prong-4.2%3rd of 12+26.9%

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
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Colony Bank$3.61B1.1%65.0%0.76%0.28%0.9%82.7%11.2%
First Community Bank$3.61B2.0%54.2%0.70%0.17%1.3%80.9%14.2%
MVB Bank Inc$3.50B1.4%64.3%1.18%0.23%1.1%79.5%9.5%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
First Carolina Bank$3.41B0.8%76.7%0.81%0.00%0.8%95.6%13.4%
Georgia Banking Co.$3.26B1.1%64.6%0.67%0.08%1.1%90.0%9.7%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Community BankCohort median
20212026Change20212026Change
Loans$2.15B$2.46B+14%$1.28B$2.54B+99%
Deposits$2.68B$3.04B+13%$1.90B$3.06B+61%
NPA / loans1.13%0.70%-0.44 pts0.40%0.73%+0.33 pts
Efficiency56.1%54.2%-1.9 pts62.8%62.2%-0.6 pts
ROA1.79%1.97%+0.18 pts1.12%1.31%+0.19 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 Southeast banks $3B to $10B
Institution www.firstcommunitybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England 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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