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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.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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