First Community Bank (Bluefield, VA)
First Community Bank (Bluefield, VA) reported total assets of $3.6 bn at Q2 2026, up 14.0% on a year earlier, the 357th largest of 497 banks in our US coverage. The CET1 capital ratio at First Community Bank (Bluefield, VA) was 15.32%, and the uninsured share of First Community Bank (Bluefield, VA) was 21.28%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, First Community Bank (Bluefield, VA) climbed from 295th to 179th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , First Community Bank (Bluefield, VA) has taken over 3 institutions; the latest was Union Bank, Inc. on (FDIC Call Reports).
- First Community Bank (Bluefield, VA) has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 2.05% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
What sets First Community Bank (Bluefield, VA) apart
How large is First Community Bank (Bluefield, VA)?
The balance sheet of First Community Bank (Bluefield, VA) at : assets $3.6 bn, deposits $3.0 bn, net loans $2.4 bn (loans equal to 79.86% of deposits). Securities make up 6.6% of total assets at First Community Bank (Bluefield, VA). Since , when First Community Bank (Bluefield, VA) held $2.4 bn, its assets grew 47.4%. In the year to , deposits at First Community Bank (Bluefield, VA) rose 14.3% while its total assets rose 14.0%. At , First Community Bank (Bluefield, VA) employed 614 full-time equivalent staff across 67 offices, about $5.9 mn of assets per employee and $45.4 mn of deposits per office.
How much funding at First Community Bank (Bluefield, VA) is uninsured?
At First Community Bank (Bluefield, VA), uninsured deposits (above the FDIC limit) made up 21.28% of domestic deposits at (+3.48 pp on a year earlier); First Community Bank (Bluefield, VA) ranks 401st of 500 on this measure. In dollars, First Community Bank (Bluefield, VA) estimated $646.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.0 bn | +14.3% | 353rd of 499 |
| Net loans and leases | $2.4 bn | +4.6% | 377th of 500 |
| Loan-to-deposit ratio | 79.86% | -7.41 pp | 345th of 500 |
| Tier 1 leverage ratio | 10.23% | -0.14 pp | 266th of 500 |
| Total risk-based capital ratio | 16.58% | +1.03 pp | 103rd of 448 |
| Net interest margin | 4.44% | +0.09 pp | 69th of 500 |
| Return on assets (ROA) | 2.05% | +0.50 pp | 43rd of 500 |
| Efficiency ratio | 52.56% | -7.08 pp | 179th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $10.9 mn | Narrowed by $1.4 mn | |
| Noncurrent loans to total loans | 0.70% | -0.10 pp | 280th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.17% | +0.01 pp | 321st of 500 (1 = lowest) |
US rank of First Community Bank (Bluefield, VA): 1 = highest unless marked 1 = lowest.
Balance sheet
First Community Bank (Bluefield, VA): assets, deposits and loans
- Total assets $3.6bn
- Deposits $3.0bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of First Community Bank (Bluefield, VA) stood at 15.32% in , +1.03 pp year on year. Low and high at First Community Bank (Bluefield, VA) since : 11.30% () to 15.32% (). Equity capital of First Community Bank (Bluefield, VA) at : $510.5 mn, or 14.2% of total assets. First Community Bank (Bluefield, VA) also reported a total capital ratio of 16.58% for , and a tier 1 leverage ratio of 10.23%.
The available-for-sale portfolio of First Community Bank (Bluefield, VA) showed an unrealized loss of $10.9 mn at ; the loss narrowed by $1.4 mn over the year.
First Community Bank (Bluefield, VA): capital ratios
- Total capital 17%
- CET1 15%
- Tier 1 leverage 10%
First Community Bank (Bluefield, VA): unrealized securities gains and losses
- Available for sale -$11mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Community Bank (Bluefield, VA) earned a return on equity of 14.59%; return on assets: 2.05%. Net interest margin at First Community Bank (Bluefield, VA): 4.44%, +0.09 pp in a year. First Community Bank (Bluefield, VA) net income: $35.9 mn, up 44.6% year on year. The efficiency ratio of First Community Bank (Bluefield, VA) was 52.56%: about 53 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.70% of total loans at First Community Bank (Bluefield, VA); net charge-offs: 0.17% of average loans. Gross loans and leases at First Community Bank (Bluefield, VA): $2.5 bn, up 4.5% in a year.
First Community Bank (Bluefield, VA): profitability
- Return on equity 15%
- Net interest margin 4.4%
- Return on assets 2.1%
Peer group of First Community Bank (Bluefield, VA)
The peer group of First Community Bank (Bluefield, VA) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First Community Bank (Bluefield, VA) (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Virginia. Against them, First Community Bank (Bluefield, VA) shows CET1 ratio 15.32% against a peer median of 11.76%, return on equity 14.59% against a peer median of 10.04% and uninsured deposit share 21.28% against a peer median of 31.79%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Community Bank | State nonmember bank | AR | $3.6 bn | 10.61% | 16.94% | 29.53% | |
| Village Bank and Trust | National bank | IL | $3.6 bn | 10.97% | 20.63% | 38.37% | |
| Colony Bank | State nonmember bank | GA | $3.6 bn | 13.55% | 9.90% | 32.42% | |
| First Community Bank | State member bank | VA | $3.6 bn | 15.32% | 14.59% | 21.28% | |
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Community Bank (Bluefield, VA), to : assets +13.7%, deposits +14.0%, equity +10.1%. Staff 578 to 614; offices 60 to 67.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.6 bn | $3.6 bn |
| Total deposits | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $3.1 bn | $3.0 bn |
| Bank equity capital | $463.6 mn | $460.8 mn | $462.0 mn | $463.0 mn | $463.9 mn | $464.6 mn | $500.5 mn | $510.5 mn |
| CET1 ratio | 13.76% | 13.89% | 14.03% | 14.29% | 14.35% | 14.46% | 14.73% | 15.32% |
| Return on equity (ROE) | 11.08% | 11.08% | 10.50% | 10.75% | 10.71% | 10.73% | 10.54% | 14.59% |
| Uninsured share of domestic deposits | 18.94% | 19.50% | 18.45% | 17.80% | 18.98% | 19.27% | 21.50% | 21.28% |
| Full-time equivalent employees | 578 | 585 | 583 | 594 | 586 | 578 | 610 | 614 |
| Number of offices | 60 | 60 | 60 | 60 | 59 | 59 | 68 | 67 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Community Bank (Bluefield, VA), oldest first; figures before and after each event are not like for like.
- . Absorbed Highlands Union Bank (FDIC certificate 26191).
- . Absorbed Surrey Bank & Trust (FDIC certificate 34209).
- . Absorbed Union Bank, Inc. (FDIC certificate 16620).
Large one-quarter moves at First Community Bank (Bluefield, VA)
- Total assets at First Community Bank (Bluefield, VA) changed by +27.0% in the quarter to 2019-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Highlands Union Bank.
Questions and identifiers
What were the total assets of First Community Bank (Bluefield, VA)?
First Community Bank (Bluefield, VA) reported $3.6 bn at in its Call Report. That makes First Community Bank (Bluefield, VA) the 357th largest of 497 banks in our US coverage.
Is First Community Bank (Bluefield, VA) the same as its holding company?
No. This page covers First Community Bank (Bluefield, VA), FDIC certificate 13012; FIRST COMMUNITY BANKSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Community Bank (Bluefield, VA) profitable?
First Community Bank (Bluefield, VA) reported net income of $35.9 mn for the year to ; annualized return on equity: 14.59%. So yes: First Community Bank (Bluefield, VA) made a profit over these months.
When is data for First Community Bank (Bluefield, VA) next updated?
Figures from First Community Bank (Bluefield, VA) for are due after .
Where can I check the figures for First Community Bank (Bluefield, VA)?
In the FDIC BankFind Suite record for certificate 13012, and in the Call Reports of First Community Bank (Bluefield, VA) (RSSD ID 2353595) at the FFIEC Central Data Repository.