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First Community Bank
Bluefield, VA · FDIC Certificate #13012 · Chartered 01/0
Total assets
$3.61B
Total deposits
$3.04B
Total equity
$510.51M
Net loans
$2.43B
Branches (offices)
67
Net income (YTD)
$35.89M
Rank: #364 of 4,213 U.S. banks by assets · #10 of 56 in Virginia. Assets changed 14.0% and deposits 14.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.05% |
| Return on equity | 14.59% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 14.15% |
| Tier 1 leverage ratio | 10.23% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 79.9% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.10B | 86.4% | |
| Commercial & industrial | $227.85M | 9.4% | |
| Consumer / individual | $48.27M | 2.0% | |
| Construction & development | $72.26M | 3.0% | |
| Agricultural | $14.45M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.24B | $2.81B | $21.11M | $384.87M |
| Jun 2023 | $3.36B | $2.86B | $21.67M | $452.36M |
| Jun 2024 | $3.22B | $2.71B | $25.48M | $459.26M |
| Jun 2025 | $3.16B | $2.66B | $24.82M | $463.04M |
| Jun 2026 | $3.61B | $3.04B | $35.89M | $510.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $1.42B | 28 |
| Virginia | $999.58M | 26 |
| North Carolina | $572.61M | 11 |
| Tennessee | $50.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.04B.
Similar-sized banks
Colony Bank ($3.61B) · Home Bank, National Association ($3.60B)
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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