TellerScore

First Community Bank is a state-chartered bank (fed member) headquartered in Bluefield, Virginia, in business for about 106 years. At the end of Q2 2026 it reported $3.6B in total assets and $3.0B in deposits, with 67 offices across 4 states.

First Community Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 21st. Earnings contributes the most (100/100, 2.05%); capital cushion contributes the least (52/100, 10.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.23%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.70%
Earnings100/100
Return on assets (annualized): 2.05%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 79.9% · 21.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (71 → 75), mostly because the earnings component improved by 18 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202570
Q2 202571
Q3 202571
Q4 202573
Q1 202671
Q2 202675
Tier 1 leverage ratio
5.00%7.71%10.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.23%
Q3 202410.24%
Q4 202410.32%
Q1 202510.37%
Q2 202510.37%
Q3 202510.43%
Q4 202510.38%
Q1 202610.26%
Q2 202610.23%
Noncurrent loans
0.61%0.73%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.82%
Q4 20240.83%
Q1 20250.84%
Q2 20250.79%
Q3 20250.71%
Q4 20250.61%
Q1 20260.72%
Q2 20260.70%
Return on assets
1.48%1.76%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.58%
Q3 20241.59%
Q4 20241.59%
Q1 20251.51%
Q2 20251.55%
Q3 20251.55%
Q4 20251.55%
Q1 20261.48%
Q2 20262.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$3.6B10.23%0.70%2.05%79.9%
Q1 202671$3.6B10.26%0.72%1.48%78.7%
Q4 202573$3.2B10.38%0.61%1.55%83.9%
Q3 202571$3.2B10.43%0.71%1.55%86.4%
Q2 202571$3.2B10.37%0.79%1.55%87.3%
Q1 202570$3.2B10.37%0.84%1.51%86.9%
Q4 202470$3.2B10.32%0.83%1.59%88.4%
Q3 202470$3.2B10.24%0.82%1.59%90.4%
Q2 202470$3.2B10.23%0.80%1.58%89.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.23%
43rd
Total risk-based capital16.58%
80th
Problem loans0.70%
38th
Net charge-offs0.17%
22nd
Return on assets2.05%
90th
Net interest margin4.44%
85th
Efficiency ratio52.6%
70th
Loans to deposits79.9%
68th
Uninsured deposits21.3%
80th
Loan-loss reserves1.33%
74th
Texas ratio3.2%
54th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The First Bank and Trust CompanyBank Lebanon, VA72 out of 100, Strong$4.3B10.1%0.28%vs
Primis BankBank Tappahannock, VA50 out of 100, Below average$4.3B9.5%1.83%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
John Marshall BankBank Reston, VA76 out of 100, Strong$2.4B12.9%0.01%vs
FVCbankBank Fairfax, VA73 out of 100, Strong$2.4B12.9%0.59%vs

Deposit insurance

Is my money safe at First Community Bank?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #13012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.3% of deposits ($646.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.58% (benchmark: 10%).

Check how much of your own balance is covered

67 locations

Branches

First Community Bank lists 62 offices in 52 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Community Bank reported 824 home-loan applications under HMDA (LEI 5493007TJ86W1ZK4LZ15): 487 originated ($82,555,000 total), 229 denied, and 81 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Community Bank
Former names
FCFT Bank, Inc.; First Community Bank, Inc.; First Community Bank, National Association; Adrian Buckhannon Bank; First Community Bank - Adrian Buckhannon
Type
State-chartered bank (Fed member)
FDIC certificate #
13012
RSSD ID
2353595
Primary regulator
FED
Holding company
First Community Bankshares Inc
Established
January 7, 1920
Headquarters
29 College Dr, Bluefield, VA 24605
Employees
614

Quick answers

First Community Bank: common questions

Is First Community Bank FDIC insured?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #13012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Community Bank ever failed?

There is no failure record for FDIC certificate #13012 in the FDIC failed bank list.

How many branches does First Community Bank have?

67 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Bluefield

InstitutionScoreAssetsCapitalProblem loansCompare
McDowell County Federal Credit UnionCredit union Welch, WV88 out of 100, Very strong$68K23.6%0.00%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs
Pioneer Community Bank, Inc.Bank Iaeger, WV79 out of 100, Strong$191.1M13.6%0.29%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
New Peoples Bank, Inc.Bank Honaker, VA76 out of 100, Strong$942.5M11.2%0.45%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs