TellerScore

First Community Bank (FDIC certificate #34047) is based in Lexington, South Carolina. Its Q2 2026 call report shows $2.4B in total assets and $2.0B in deposits and 23 offices across 2 states.

Based on its Q2 2026 filing, First Community Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 23rd. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is capital cushion (43/100; 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 77.4% · 32.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.35%

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 (67 → 71), mostly because the capital cushion component improved by 9 points.

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202466
Q1 202567
Q2 202567
Q3 202568
Q4 202568
Q1 202669
Q2 202671
Tier 1 leverage ratio
5.00%7.14%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.44%
Q3 20248.39%
Q4 20248.40%
Q1 20258.45%
Q2 20258.44%
Q3 20258.55%
Q4 20258.66%
Q1 20269.09%
Q2 20269.29%
Noncurrent loans
0.01%0.03%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.03%
Q4 20240.02%
Q1 20250.02%
Q2 20250.02%
Q3 20250.05%
Q4 20250.02%
Q1 20260.04%
Q2 20260.05%
Return on assets
0.74%1.00%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.80%
Q4 20240.84%
Q1 20250.94%
Q2 20251.03%
Q3 20251.06%
Q4 20251.07%
Q1 20261.09%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.4B9.29%0.05%1.25%77.4%
Q1 202669$2.4B9.09%0.04%1.09%74.9%
Q4 202568$2.1B8.66%0.02%1.07%74.5%
Q3 202568$2.1B8.55%0.05%1.06%71.7%
Q2 202567$2.0B8.44%0.02%1.03%71.5%
Q1 202567$2.0B8.45%0.02%0.94%72.0%
Q4 202466$2.0B8.40%0.02%0.84%72.4%
Q3 202466$1.9B8.39%0.03%0.80%72.0%
Q2 202466$1.9B8.44%0.01%0.74%73.5%

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 ratio9.29%
19th
Total risk-based capital14.13%
56th
Problem loans0.05%
92nd
Net charge-offs0.00%
73rd
Return on assets1.25%
50th
Net interest margin3.61%
44th
Efficiency ratio63.3%
36th
Loans to deposits77.4%
73rd
Uninsured deposits32.7%
45th
Loan-loss reserves1.16%
52nd
Texas ratio0.3%
92nd

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Anderson Brothers BankBank Mullins, SC69 out of 100, Moderate$2.4B9.3%0.59%vs
Coastal States BankBank Hilton Head Island, SC63 out of 100, Moderate$2.4B11.1%0.95%vs
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
South Atlantic BankBank Myrtle Beach, SC70 out of 100, Strong$2.0B9.4%0.01%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs
Security Federal BankBank Aiken, SC69 out of 100, Moderate$1.5B10.8%0.85%vs

Deposit insurance

Is my money safe at First Community Bank?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #34047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.7% of deposits ($663.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.13% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

First Community Bank lists 22 offices in 18 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Community Bank reported 634 home-loan applications under HMDA (LEI 5493001HBUA9JSUEWO16): 529 originated ($197,245,000 total), 27 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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
First Community Bank, National Association
Type
State-chartered bank
FDIC certificate #
34047
RSSD ID
2328137
Primary regulator
FDIC
Holding company
First Community Corp
Established
August 17, 1995
Headquarters
5455 Sunset Blvd, Lexington, SC 29072
Employees
298

Quick answers

First Community Bank: common questions

Is First Community Bank FDIC insured?

Yes. First Community Bank is an FDIC-insured institution (FDIC certificate #34047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank's TellerScore?

71 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 #34047 in the FDIC failed bank list.

How many branches does First Community Bank have?

23 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
South Carolina National Guard Federal Credit UnionCredit union Columbia, SC99 out of 100, Very strong$98.3M26.6%0.13%vs
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs