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First Community Bankshares (FCBC) investor relations material
First Community Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $12.25M ($0.67 per diluted share), down 3.47% year-over-year; six-month net income was $24.06M ($1.31 per share), down 5.75% year-over-year.
Net interest margin for Q2 2025 was 4.37%, but net interest income declined due to lower loan balances and yields.
Noninterest income rose 10.68% year-over-year, driven by higher service charges on deposits.
Noninterest expense increased 2.24% year-over-year, mainly from higher salaries and benefits.
Book value per share at June 30, 2025, was $27.46, down $1.27 from year-end 2024, mainly due to a special cash dividend.
Financial highlights
Net interest income for Q2 2025 was $30.66M, down from $31.91M in Q2 2024; six-month net interest income was $60.96M, down from $63.54M.
Noninterest income for Q2 2025 was $10.34M, up from $9.34M in Q2 2024; six-month noninterest income was $20.57M, up from $18.60M.
Noninterest expense for Q2 2025 was $25.46M, up from $24.90M in Q2 2024; six-month noninterest expense was $50.40M, up from $48.28M.
Total assets at June 30, 2025, were $3.18B, down 2.46% from December 31, 2024.
Loans held for investment decreased $62.81M, or 2.60%, from year-end 2024; deposits decreased $55.88M, or 2.08%.
Outlook and guidance
Management expects continued focus on net interest margin and asset quality amid evolving market and rate conditions.
The announced acquisition of Hometown Bancshares, Inc. is expected to close in Q1 2026, expanding the company’s footprint.
Forward-looking statements cite risks from market conditions, credit and interest rate management, expense control, regulatory changes, competition, and geopolitical events.
Explain the decrease in loan balances.
Why did deposits decrease in Q2 2025?
What drove the increase in salaries/benefits?
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Next First Community Bankshares earnings date
Q3 202521 Oct, 2025
Next First Community Bankshares earnings date
Q3 202521 Oct, 2025
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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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