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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 was $5.192 million, up 34.5% year-over-year and flat sequentially; excluding merger expenses, net income was $5.630 million, up 45.8% year-over-year and 5.0% sequentially.
Diluted EPS for Q3 2025 was $0.67, up 34.0% year-over-year; adjusted EPS was $0.72, up 44.0% year-over-year and 4.3% sequentially.
Net income for the first nine months of 2025 was $14.375 million, a 47.8% increase over the same period in 2024; adjusted net income was $14.991 million, up 54.2%.
Board approved a $0.16 per share cash dividend, marking the 95th consecutive quarter of dividends.
Financial highlights
Net interest income for Q3 2025 was $15.994 million, up 19.3% year-over-year and 4.4% sequentially.
Net interest margin (tax equivalent) was 3.27% in Q3 2025, up six basis points sequentially, marking six consecutive quarters of expansion.
Total non-interest income was $4.469 million in Q3 2025, up 25.2% year-over-year and 6.3% sequentially; included $188 thousand in non-recurring revenue.
Non-interest expense was $13.674 million in Q3 2025, up from $13.083 million in Q2, with higher marketing and merger-related costs.
Return on average assets was 1.00% and return on average common equity was 13.04% for Q3 2025.
Outlook and guidance
Pending acquisition of Signature Bank of Georgia expected to close in early Q1 2026, expanding into new markets and adding SBA/government lending.
Management anticipates continued margin expansion and strong deposit franchise performance.
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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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