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First Community Bank
Bluefield, VA·FDIC Cert #13012·Charter: STATE·Est. 19200107.0·HC: FIRST COMMUNITY BANKSHARES INC
Total Assets
$3.2B
Q4 2025
Return on Assets
1.55%
-0.00%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.81%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.55%-0.00
ROE
10.73%+0.02
Efficiency
60.81%+0.48
Equity/Assets
0.00%+0.00
NPL Ratio
0.62%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.90%-2.53
Charge-offs
0.17%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.6 | 1.6 | 1.6 | 1.5 | 1.6 | 1.6 | 1.6 |
| ROE | 11.2 | 11.1 | 11.1 | 11.1 | 10.5 | 10.8 | 10.7 | 10.7 |
| Efficiency | 55.9 | 57.7 | 57.4 | 57.4 | 59.5 | 59.6 | 60.3 | 60.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | 0.8 | 0.7 | 0.6 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 91.9 | 89.9 | 90.4 | 88.4 | 86.9 | 87.3 | 86.4 | 83.9 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.7B
Total Loans$2.3B
Total Equity$464.6M
Profitability
ROA1.55%
ROE10.73%
Efficiency Ratio60.81%
Net Income$49.7M
Risk & Asset Quality
NPL Ratio0.62%
Charge-off Rate0.17%
Loan/Deposit83.90%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans