BlastPoint's Banking Scorecard
First Community Bank
Community
Specialty: Commercial
VA
FDIC cert 13012
Bluefield, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
First Community Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28% in Community
- + Deposit Franchise: Top 63% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+1.5% YoY
+2.2% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.3B
-4.1% YoY
-0.7% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.7B
+1.0% YoY
+2.3% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.55%
-2.5% YoY
-0.1% QoQ
|
+0.39% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.44%
-0.3% YoY
+0.9% QoQ
|
+0.78% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
60.81%
+5.9% YoY
+0.8% QoQ
|
-1.82% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.62%
-26.3% YoY
-14.4% QoQ
|
-0.01% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
83.90%
-5.0% YoY
-2.9% QoQ
|
+0.84% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
32.92%
+0.4% YoY
+1.2% QoQ
|
+11.88% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-32.1% YoY
-18.1% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.46%
+4.1% YoY
+0.8% QoQ
|
+4.21% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.40%
+8.0% YoY
+32.6% QoQ
|
+0.66% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#106 of 371 · Top 28% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.40%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.55%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#95 of 150 · Top 63% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.92%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.44%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
92
92th pctile
Non-Interest Income / Assets
Current: 1.40% · Tier avg: 0.74%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.92% · Tier avg: 21.05%
85
85th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.46% · Tier avg: 10.24%
54
54th pctile
Efficiency Ratio
Current: 60.81% · Tier avg: 62.63%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.90% · Tier avg: 83.06%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
Top Weaknesses
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.90% · Tier avg: 83.06%
54
54th pctile
Efficiency Ratio
Current: 60.81% · Tier avg: 62.63%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.46% · Tier avg: 10.24%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.92% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.40% · Tier avg: 0.74%
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B