First Community Corporation Announces Third Quarter Results and Cash Dividend
First Community Corporation posted Q3 2026 net income of $8.044 million, up 54.9% year-over-year, with diluted EPS of $0.85 versus $0.67 a year earlier. Net interest margin expanded eight basis points to 3.59% — the tenth consecutive quarter of expansion — while loans grew $32.1 million in the quarter to $1.610 billion and credit quality stayed pristine with NPAs at just 0.04%. Results include the January 2026 acquisition of Signature Bank of Georgia, which contributed $195.7 million of year-to-date loan growth; organic nine-month loan growth was $103.7 million.
Key figures
- Eps
- 0.85
- Eps Adj
- 0.86
- Revenue Yoy
- net interest income +26.5% YoY; non-interest income +34.0% YoY
- Aum
- $1.404 billion
- Roaa
- 1.34%
- Rotce
- 16.06%
- Npa ratio
- 0.04%
- Tce ratio
- 8.50%
- Net income
- 8044000
- Total loans
- $1.610 billion
- Buyback plan
- $7.5 million authorized May 7, 2026 (no shares repurchased in Q3)
- Net income yoy
- 54.9%
- Total deposits
- $2.005 billion
- Efficiency ratio
- 60.81%
- Equity to assets
- 9.74%
- Nim expansion bps
- 8
- Allowance to loans
- 1.16%
- Dividend per share
- $0.17
- Nim tax equivalent
- 3.59%
- Sba settlement gain
- $797 thousand non-recurring income
- Book value per share
- $24.49
- Net income ex merger
- 8123000
- Annualized loan growth
- 8.1%
- Net income linked quarter
- 5.9%
- Loan growth linked quarter
- $32.1 million
- Consecutive dividend quarters
- 99
- Tangible book value per share
- $21.09
- Consecutive quarters nim expansion
- 10
AI analysis
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