BlastPoint's Banking Scorecard
First Community Bank
Community
Specialty: Commercial
SC
FDIC cert 34047
Lexington, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
First Community Bank shows strong momentum with 2 strengths and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50% in Community
- + Nonperforming Asset Ratio 0.48% below tier
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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+5.1% YoY
-0.4% QoQ
|
+$666.0M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.3B
+7.5% YoY
+2.6% QoQ
|
+$332.5M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.8B
+4.5% YoY
-1.2% QoQ
|
+$590.9M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.07%
+26.6% YoY
+1.1% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.31%
+10.1% YoY
+1.3% QoQ
|
-0.35% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
63.44%
-6.8% YoY
-0.6% QoQ
|
+0.80% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.02%
-28.9% YoY
-71.1% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
74.50%
+2.9% YoY
+3.8% QoQ
|
-8.56% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
26.94%
-3.1% YoY
-1.9% QoQ
|
+5.90% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.02%
-56.3% YoY
-57.7% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
13.11%
+1.9% YoY
+0.1% QoQ
|
+2.87% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.79%
+11.8% YoY
+35.0% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#186 of 371 · Top 50% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
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
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.94% · Tier avg: 21.05%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.50% · Tier avg: 83.06%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 10.24%
46
46th pctile
Efficiency Ratio
Current: 63.44% · Tier avg: 62.63%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
Top Weaknesses
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
46
46th pctile
Efficiency Ratio
Current: 63.44% · Tier avg: 62.63%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 10.24%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.50% · Tier avg: 83.06%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.94% · Tier avg: 21.05%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%