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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Community Bankshares
First Community Bankshares (FCBC) investor relations material
First Community Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 2026 net income rose 25.74% YoY to $15.42M, or $0.81 per diluted share; 9M net income reached a record $49.96M, or $2.63 per diluted share.
Adjusted net income was $14.74M for Q3, up 14.23% YoY, and $42.79M for 9M, up 15.76%.
Higher net interest income and acquisition-driven growth supported results; 9M earnings also included a $10.38M Bearing Insurance sale gain.
Financial highlights
Q3 net interest income was $35.87M, up 14.60% YoY; FTE net interest income rose 14.72% to $36.03M.
Q3 noninterest income increased 16.14% YoY to $12.65M; 9M noninterest income rose 47.64% to $46.45M, including the $10.38M Bearing Insurance gain.
Noninterest expense rose 6.32% YoY to $27.94M in Q3 and 9.86% to $84.24M in 9M; 9M included $2.31M of Hometown merger expense.
Total assets were $3.63B at September 30, 2026, up $374.04M, or 11.47%, from year-end 2025, primarily reflecting Hometown.
Q3 net interest income after provision for credit losses increased $3.89M, or 12.42%, YoY, primarily on higher average earning assets after the Hometown acquisition.
Key financial ratios and metrics
Q3 basic/diluted EPS was $0.82/$0.81 versus $0.67/$0.67 YoY; 9M basic/diluted EPS was $2.64/$2.63 versus $1.98/$1.97.
Q3 FTE net interest margin was 4.46%, up 3 bps YoY, and spread was 4.16%, up 10 bps; 9M FTE margin was 4.41%, up 3 bps.
Q3 ROA was 1.69% versus 1.53% YoY and ROE was 11.23% versus 9.58%; adjusted ROA/ROE were 1.62%/10.73%.
Allowance for credit losses was $32.64M, or 1.32% of loans; nonperforming loans were 0.64% of loans and allowance coverage was 206.47%.
Q3 net charge-offs were $696K, or 0.11% of annualized average loans, versus $1.42M, or 0.24%, in Q3 2025.
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Latest events from First Community Bankshares
- Q2 2026 net income rose 83.84% to $22.51M, with strong gains and improved asset quality.FCBC
Q2 2026 - Adjusted net income rose 17.02% as the Hometown acquisition expanded assets and capital.FCBCQ1 2026
- Supplemental proxy materials filed with no fee and no proposed changes to capital structure.FCBCProxy Filing
- Annual meeting covers director elections, executive pay, auditor ratification, and governance.FCBCProxy Filing
- Adjusted Q4 net income grew 8.56% year-over-year, with improved asset quality and special dividends.FCBCQ4 2025
- Annual meeting covers director elections, pay, auditor ratification, and governance amendment.FCBCProxy Filing
- Proxy covers director elections, say-on-pay, auditor ratification, and voting threshold amendment.FCBCProxy Filing
- Director elections, executive pay, auditor ratification, and charter amendment up for April 2025 vote.FCBCProxy Filing
- Q3 2025 net income fell 5.89%, but adjusted earnings and asset quality improved.FCBCQ3 2025
Next First Community Bankshares earnings date
Q4 202625 Jan, 2027
First Community Bankshares
Next First Community Bankshares earnings date
Q4 202625 Jan, 2027
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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.