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First Community (FCCO) investor relations material
First Community Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for Q2 2025 rose to $5.2M ($0.67 diluted EPS), up 59% year-over-year and 29.7% sequentially, driven by higher net interest income, lower provision for credit losses, and increased non-interest income, partially offset by higher expenses and taxes.
Six-month net income increased to $9.2M ($1.18 diluted EPS), a 56.7% increase year-over-year, reflecting strong growth in net interest and non-interest income.
Announced merger agreement to acquire Signature Bank of Georgia, expanding into the Atlanta market, adding SBA lending, and creating a combined entity with ~$2.3B in assets.
Increased quarterly cash dividend to $0.16 per share, marking the 94th consecutive quarter of dividends, payable August 19, 2025.
Tangible book value per share increased to $18.28 at June 30, 2025, from $15.85 a year ago.
Financial highlights
Net interest income for Q2 2025 was $15.3M, up 20.7% year-over-year and 6.3% sequentially; net interest margin improved to 3.19% (tax equivalent 3.21%).
Non-interest income grew to $4.2M, a 15.5% year-over-year and 5.6% sequential increase, led by mortgage banking and investment advisory fees.
Non-interest expense increased $1.2M to $13.1M, mainly due to higher salaries, benefits, and merger-related legal/professional fees.
Total assets reached $2.05B at June 30, 2025, up from $1.96B at year-end 2024 and $1.88B a year earlier.
Loans (excluding held-for-sale) grew $39.5M (3.2%) to $1.26B; deposits rose $78.1M (4.7%) to $1.75B since year-end.
Outlook and guidance
Management expects to remain well-capitalized, maintain strong liquidity, and continue positive loan growth momentum into Q3 2025.
The Signature Bank of Georgia acquisition is expected to close in early Q1 2026, pending regulatory and shareholder approvals.
No material impact anticipated from recent tax legislation (OBBBA) on 2025 effective tax rate.
Forward-looking statements highlight risks related to acquisition completion, regulatory approvals, and market conditions.
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Next First Community earnings date
Q3 202522 Oct, 2025
Next First Community earnings date
Q3 202522 Oct, 2025
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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.
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