First Community (FCCO) investor relations material

Executive summary

• Q3 2026 net income was $8.044 million, up 54.9% YoY and 5.9% QoQ; adjusted for after-tax merger expenses, net income was $8.123 million, up 44.3% YoY and 1.8% QoQ.

• Results included the January 8, 2026 acquisition of Signature Bank of Georgia; loan growth, margin expansion, and advisory revenue supported performance.

Financial highlights

• Q3 diluted EPS was $0.85, up 26.9% YoY and 6.3% QoQ; adjusted EPS was $0.86, up 19.4% YoY and 2.4% QoQ.

• 9M net income was $21.137 million, up 47.0% YoY; adjusted net income was $22.857 million, up 52.5%. Diluted EPS was $2.24; adjusted EPS was $2.42.

• Q3 net interest income was $20.238 million versus $15.994 million YoY; 9M net interest income was $58.108 million versus $45.708 million.

• Q3 non-interest income was $5.988 million, up 34.0% YoY, including $797 thousand of non-recurring SBA settlement gain; 9M non-interest income rose 29.7% to $16.415 million.

Segment performance

• Investment advisory revenue was $2.605 million in Q3, up 39.9% YoY and 14.0% QoQ; 9M revenue rose 32.2% to $7.162 million. AUM was $1.404 billion at quarter-end.

• Mortgage production totaled $45.9 million in Q3; fee revenue was $614 thousand, including $608 thousand from secondary-market fixed-rate sales at a 2.65% gain-on-sale margin.

• Government Guaranteed Lending fees were $534 thousand; SBA production was $16.480 million, with $5.10 million of loan sales generating a $426 thousand premium and an 8.36% gain-on-sale margin.