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First Community (FCCO) investor relations material
First Community Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 rose to $5.2 million ($0.67 diluted EPS), up 34.5% year-over-year, driven by higher net interest and non-interest income, with adjusted net income at $5.63 million and adjusted EPS at $0.72.
For the nine months ended September 30, 2025, net income increased to $14.4 million ($1.85 diluted EPS), a 47.8% year-over-year rise, with adjusted net income at $14.991 million.
A merger agreement with Signature Bank of Georgia was announced, expected to close in early 2026, expanding into new markets and adding SBA/government lending.
Board approved a $0.16 per share cash dividend for Q3 2025, marking the 95th consecutive quarter of dividends.
Financial highlights
Net interest income for Q3 2025 was $16.0 million, up 19.3% year-over-year, with net interest margin improving to 3.27%.
Non-interest income for Q3 2025 increased to $4.5 million, up 25.2% year-over-year, led by mortgage banking and investment advisory fees.
Non-interest expense rose to $13.7 million, mainly due to higher salaries, merger expenses, and technology costs.
For the nine months, net interest income grew to $45.7 million, with net interest margin up to 3.19%.
Total assets reached $2.07 billion at September 30, 2025, up from $1.96 billion at year-end 2024.
Outlook and guidance
Management expects to maintain strong capital and liquidity positions, supporting operations and growth for at least the next 12 months.
The pending Signature Bank merger is anticipated to close in early 2026, with integration expected to drive further growth and margin expansion.
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Next First Community earnings date
Q4 202522 Jan, 2026
Next First Community earnings date
Q4 202522 Jan, 2026
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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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