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First Community Bankshares (FCBC) investor relations material
First Community Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $12.27 million ($0.67 per diluted share), down 5.89% year-over-year; nine-month net income was $36.33 million ($1.97 per diluted share), down 5.80% from 2024.
Adjusted Q3 net income (excluding merger/non-recurring expenses) was $12.90 million, up 4.00% year-over-year.
A merger with Hometown Bancshares is pending, expected to close in January 2026, with $787,000 in related expenses incurred YTD.
Quarterly cash dividend of $0.31 per share declared, marking 40 consecutive years of regular dividends and 15 years of increases.
Financial highlights
Net interest margin for Q3 2025 was 4.43%, up 2 bps year-over-year; net interest income after provision for loan losses increased 3.52%.
Noninterest income rose 4.18% in Q3, driven by higher service charges and wealth management fees.
Noninterest expense increased 8.69% in Q3, mainly due to higher salaries, service fees, and merger costs.
Total assets as of September 30, 2025, were $3.19 billion; loans decreased $84.78 million (3.51%) and deposits fell $60.65 million (2.25%) since year-end 2024.
Book value per share was $27.89, down $0.84 from year-end, mainly due to a special dividend.
Outlook and guidance
The merger with Hometown Bancshares is expected to be minimally dilutive to tangible book value and accretive to EPS.
No additional external financing is anticipated for the merger.
Forward-looking statements note risks from market conditions, regulatory changes, and competition.
Reconcile rising charge-offs with declining NPAs.
Rationale for reduced share repurchases in 2025?
Detail Q3 2025 non-GAAP "Other items" adjustment.
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Next First Community Bankshares earnings date
Q4 202527 Jan, 2026
Next First Community Bankshares earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
First Community Bankshares, Inc. is a financial holding company that provides a range of banking services through its subsidiary, First Community Bank. The company offers various personal and commercial banking products, including checking and savings accounts, loans, mortgages, and credit services. Additionally, First Community Bank provides wealth management, trust services, and insurance products to its customers. The bank primarily serves individuals, small to medium-sized businesses, and professionals in its regional markets. The company is headquartered in Bluefield, Virginia, and its shares are listed on the NASDAQ.
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