First Community Bank
Lexington, South Carolina, Lexington County
$2.4B in total assets, the 533rd largest of 4,309 US banks and 4th of 44 headquartered in South Carolina.
- FDIC certificate
- 34047
- Established
- 1995
- Owned by
- First Community Corp
- Primary regulator
- FDIC
- Website
- www.firstcommunitysc.com
At a glance
Compared with 12 banks headquartered in South Carolina with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.4B | 83% | $1.6B | |
| Loans | $1.6B | 75% | $955M | |
| Deposits | $2.0B | 75% | $1.4B | |
| Return on assets | 1.17% | 50% | 1.19% | |
| Net interest margin | 3.61% | 67% | 3.53% | |
| Efficiency ratio | 63.3% | 83% | 59.1% | |
| Equity to assets | 9.90% | 75% | 9.28% | |
| Loans to deposits | 78% | 33% | 84% |
Growth
Total assets grew 9.5% a year over the last 5 years and 10.4% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | Signature Bank of Georgia Sandy Springs, GA | $274M |
| Oct 2017 | Cornerstone National Bank Easley, SC | $146M |
| Feb 2014 | Savannah River Banking Company Aiken, SC | $152M |
| Jun 2006 | The Bank of Camden Camden, SC | $43M |
| Oct 2004 | Newberry Federal Savings Bank Newberry, SC | $190M |
Where they operate
22 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lexington County, SC | $779M | 11.3% | 4 of 19 |
| Richland County, SC | $294M | 1.6% | 9 of 23 |
| Newberry County, SC | $227M | 33.2% | 1 of 6 |
| Fulton County, GA | $209M | 0.2% | 26 of 46 |
| Pickens County, SC | $116M | 4.0% | 8 of 15 |
| Greenville County, SC | $89M | 0.5% | 23 of 36 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (15 to 22, +46.7%). 4 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2017 | Acquired Cornerstone National Bank | 3 | 0 | +3 | 18 |
| 2018 | Opened Augusta | 1 | 0 | +1 | 19 |
| 2019 | Opened Evans and Greenville | 2 | 0 | +2 | 21 |
| 2022 | Opened Rock Hill | 1 | 0 | +1 | 22 |
| 2024 | Closed Augusta | 0 | 1 | −1 | 21 |
| 2026 through Q2 | Acquired Signature Bank of Georgia | 1 | 0 | +1 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 57% | 37% | |
| 1-4 family residential | 21% | 34% | |
| Construction and land | 10% | 11% | |
| Business (C&I) | 6% | 8% | |
| Multifamily | 3% | 3% | |
| Consumer | 1% | 6% | |
| Other | 1% | 0% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 55% | |
| Noninterest-bearing | 26% | 20% | |
| Time deposits | 17% | 25% |
Brokered deposits are 0.0% of deposits (peers 6.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.05% | 0.14% |
| Net charge-offs, annualized | 0.00% | 0.02% |
| Reserves to loans | 1.16% | 1.12% |
| Leverage ratio | 9.29% | 9.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in South Carolina
Largest competitors in Lexington County, SC
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-community-bank-lexington-sc