)
Visual
test
First Community
First Community (FCCO) investor relations material
First Community Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $4.83 million; full-year net income was $19.21 million, up 37.6% year-over-year. Excluding merger expenses, Q4 net income was $5.36 million and full-year was $20.35 million.
Diluted EPS for Q4 2025 was $0.62; full-year EPS was $2.47, up 36.5% year-over-year. Excluding merger expenses, Q4 EPS was $0.69 and full-year was $2.62.
Acquisition of Signature Bank of Georgia completed January 8, 2026, expanding into new markets and SBA lending.
Financial highlights
Net interest income for 2025 rose 19.2% to $62.0 million; Q4 net interest income was $16.3 million, up 7.9% sequentially.
Net interest margin (tax equivalent) was 3.32% in Q4 2025, marking seven consecutive quarters of expansion.
Total loans grew $90.5 million (7.4%) year-over-year; Q4 loan growth was $31.7 million (annualized 9.8%).
Total deposits increased $73.6 million (4.4%) year-over-year; Q4 deposits declined $21.6 million sequentially.
Investment advisory AUM reached $1.17 billion at year-end, up from $926 million a year ago.
Outlook and guidance
Management expects positive momentum in net interest margin entering Q1 2026.
Share repurchase plan of up to $7.5 million approved, representing 4.5% of equity, expiring May 8, 2026.
How will loan swap maturity affect NIM in 2026?
Signature Bank's NIM impact on consolidated?
Explain Q4 deposit decline vs average growth.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- SANSERA
Q1 FY25 delivered double-digit growth, margin expansion, and a record order book despite global headwinds. - JKHY
Record revenue, margin, and EPS growth drive raised guidance and strong segment momentum. - IEX
Record HST-driven growth and margin gains support 2026 outlook amid industrial headwinds. - KREF
Net loss for 2025, but strong liquidity, portfolio repositioning, and active capital management. - ODFL
Q4 revenue and earnings declined, but yield, service, and capital returns remained strong. - ORN
Acquisition expands marine construction scale and reach, supporting long-term profitable growth. - THG
Record earnings, improved underwriting, and strong capital actions drive robust 2025 results. - BAM
Record earnings, 15% dividend increase, and major AI initiatives drive robust growth. - LLY
Q4 2025 revenue up 43% to $19.3B; 2026 guidance: $80–$83B revenue, $33.50–$35 EPS. - CDW
2025 sales and profits rose, with strong cash returns and 2026 growth set to outpace the market.
Next First Community earnings date
Q1 202622 Apr, 2026
First Community
Next First Community earnings date
Q1 202622 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
First Community Corporation is a bank holding company that operates through its subsidiary, First Community Bank. The company provides a wide range of financial services primarily targeting small to medium-sized businesses, professionals, and individual customers. Their offerings include traditional banking products such as checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company is headquartered in Lexington, South Carolina, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage