First Community Bank: how it compares with its peers
Against 9 SC banks with half to twice its assets, First Community Bank's strongest measure in Q2 2026 is net interest margin (3.61% vs. a 3.31% peer median). Its weakest relative measure is efficiency ratio (63.34% vs. 59.00%).
| Measure | First Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.14% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.31% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.34% | 59.00% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $10.5M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.39% | 86.76% | Context |
What it means for lending operations
Its efficiency ratio of 63.34% is above the 59.00% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Anderson Brothers Bank Mullins, SC · $2.38B
- Coastal States Bank Hilton Head Island, SC · $2.42B
- The Conway National Bank Conway, SC · $2.00B
- South Atlantic Bank Myrtle Beach, SC · $1.98B
- Bank of Travelers Rest Travelers Rest, SC · $1.60B
- Security Federal Bank Aiken, SC · $1.54B
Questions about First Community Bank
How big is First Community Bank?
First Community Bank, established in 1995, is headquartered in Lexington, SC. It reported $2.38B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is First Community Bank's return on assets?
1.25% annualized in Q2 2026, against a 1.14% median for 9 SC banks with half to twice its assets, ahead of 67% of them.
What is First Community Bank's efficiency ratio?
63.34% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.00%, and lower is better.
Is First Community Bank growing its loans?
Net loans grew 25.0% over the year to Q2 2026, while deposits grew 15.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.