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First Community Bank
Lexington, SC · FDIC Certificate #34047 · Chartered 08/1
Total assets
$2.38B
Total deposits
$2.03B
Total equity
$235.70M
Net loans
$1.57B
Branches (offices)
22
Net income (YTD)
$14.29M
Rank: #520 of 4,213 U.S. banks by assets · #4 of 43 in South Carolina. Assets changed 16.4% and deposits 15.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 13.39% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 9.29% |
| Uninsured deposits (share of deposits) | 32.7% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.4% |
| Real estate loans (share of loans) | 92.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.46B | 92.8% | |
| Commercial & industrial | $90.01M | 5.7% | |
| Consumer / individual | $21.16M | 1.3% | |
| Construction & development | $166.87M | 10.6% | |
| Agricultural | $172.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.68B | $1.47B | $7.12M | $126.64M |
| Jun 2023 | $1.74B | $1.43B | $7.77M | $134.08M |
| Jun 2024 | $1.88B | $1.61B | $6.91M | $145.83M |
| Jun 2025 | $2.05B | $1.76B | $10.39M | $164.66M |
| Jun 2026 | $2.38B | $2.03B | $14.29M | $235.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $1.72B | 19 |
| Georgia | $315.01M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.03B.
Similar-sized banks
Guaranty Bank ($2.38B) · Anderson Brothers Bank ($2.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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