What is First Community Bank's financial health grade?

First Community Bank has a TFS Financial Health Grade of C (score: 74.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Community Bank have?

First Community Bank has 23 branch locations across the United States.

Is First Community Bank FDIC insured?

Yes, First Community Bank is FDIC insured (Certificate #34047).

What are the total assets of First Community Bank?

First Community Bank has total assets of $2.1B as reported in its most recent FDIC filing.

First Community Bank

BankLexington, South Carolina

www.firstcommunitysc.com

Total Assets

$2.1B

Total Deposits

$1.8B

Branches

Established

1995

TFS Health Grade

74.8 / 100

Average financial health

How we grade

First Community Bank is a bank headquartered in Lexington, South Carolina, established in 1995. With $2.1B in total assets and 22 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.66%(8%)

Total Capital Ratio

14.16%(10%)

Non-Performing Loan Ratio

0.02%

Profitability

Return on Assets (ROA)

1.07%(1%)

Return on Equity (ROE)

13.18%(10%)

Net Interest Margin

3.31%

Efficiency Ratio

63.44%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

74.50%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+5.13%

Deposit Growth (YoY)

+4.46%

Net Income

$21.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Community BankHQ	5455 Sunset Blvd	Lexington	SC	11
First Community Bank	3638 Walton Way Ext	Augusta	GA	11
First Community Bank	1200 Town Park Ln	Evans	GA	11
First Community Bank	6065 Roswell Rd	Sandy Springs	GA	11
First Community Bank	407 Silver Bluff Rd	Aiken	SC	11
First Community Bank	201 Main St	Blythewood	SC	11
First Community Bank	631 W Dekalb St	Camden	SC	11
First Community Bank	127 Amicks Ferry Rd	Chapin	SC	11
First Community Bank	1213 Lady St	Columbia	SC	11
First Community Bank	4404 Forest Dr	Columbia	SC	11
First Community Bank	9822 Two Notch Rd	Columbia	SC	11
First Community Bank	1670 E Main St	Easley	SC	11
First Community Bank	4325 Augusta Hwy	Gilbert	SC	11
First Community Bank	105 N Spring St	Greenville	SC	24
First Community Bank	105 N Spring St	Greenville	SC	11
First Community Bank	45 Farrs Bridge Rd	Greenville	SC	11
First Community Bank	1030 Lake Murray Blvd	Irmo	SC	11
First Community Bank	1449 Two Notch Rd	Lexington	SC	11
First Community Bank	1735 Wilson Rd	Newberry	SC	11
First Community Bank	11000 Anderson Rd	Piedmont	SC	11
First Community Bank	101 N Wheeler Ave	Prosperity	SC	11
First Community Bank	1746 Ebenezer Rd	Rock Hill	SC	11
First Community Bank	506 Meeting St	West Columbia	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.