Form 8-K
8-K — FIRST COMMUNITY BANKSHARES INC /VA/
Accession: 0001437749-26-013643
Filed: 2026-04-28
Period: 2026-04-28
CIK: 0000859070
SIC: 6022 (STATE COMMERCIAL BANKS)
Item: Results of Operations and Financial Condition
Item: Other Events
Item: Financial Statements and Exhibits
Documents
8-K — fcbc20260310_8k.htm (Primary)
EX-99.1 — EXHIBIT 99.1 (ex_931050.htm)
GRAPHIC (ex_505116img001.jpg)
XML — IDEA: XBRL DOCUMENT (R1.htm)
8-K — FORM 8-K
8-K (Primary)
Filename: fcbc20260310_8k.htm · Sequence: 1
fcbc20260310_8k.htm
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0000859070
0000859070
2026-04-28
2026-04-28
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): April 28, 2026
FIRST COMMUNITY BANKSHARES, INC.
(Exact name of registrant as specified in its charter)
Virginia
000-19297
55-0694814
(State or other jurisdiction
(Commission
(IRS Employer
of incorporation)
File Number)
Identification No.)
P.O. Box 989
Bluefield, Virginia
24605-0989
(Address of principal executive offices)
(Zip Code)
Registrant’s telephone number, including area code: (276) 326-9000
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock ($1.00 par value)
FCBC
NASDAQ Global Select
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02
Results of Operations and Financial Condition.
On April 28, 2026, First Community Bankshares, Inc. (the “Company”) announced by press release its earnings for the first quarter of 2026. A copy of the press release is attached hereto as Exhibit 99.1.
Item 8.01
Other Events.
On April 28, 2026, the Company announced by press release its quarterly cash dividend to common shareholders of thirty-one cents, $0.31 per common share, payable on or about May 29, 2026, to shareholders of record on May 15, 2026.
A copy of the press release is attached hereto as Exhibit 99.1.
Item 9.01
Financial Statements and Exhibits.
(d)
The following exhibit is included with this report:
Exhibit No.
Exhibit Description
99.1
104
Earnings release dated April 28, 2026.
Cover Page Interactive Data File (formatted as Inline XBRL).
Forward-Looking Statements
This Current Report on Form 8-K contains forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports, including but not limited to the Annual Report on Form 10-K for the most recent year ended. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
FIRST COMMUNITY BANKSHARES, INC.
Date:
April 28, 2026
By:
/s/ David D. Brown
David D. Brown
Chief Financial Officer
EX-99.1 — EXHIBIT 99.1
EX-99.1
Filename: ex_931050.htm · Sequence: 2
ex_931050.htm
Exhibit 99.1
NEWS RELEASE
FOR IMMEDIATE RELEASE:
FOR MORE INFORMATION, CONTACT:
David D. Brown
(276) 326-9000
First Community Bankshares, Inc. Announces First Quarter 2026 Results and Quarterly Cash Dividend
Bluefield, Virginia – First Community Bankshares, Inc. (NASDAQ: FCBC) (www.firstcommunitybank.com) (the “Company”) today reported its unaudited results of operations and other financial information for the quarter ended March 31, 2026. The Company reported net income of $12.03 million, or $0.63 per diluted common share, for the quarter ended March 31, 2026. When adjusted to exclude the impact of merger-related expenses associated with the acquisition of Hometown Bancshares, Inc and non-recurring expenses, net income was $13.83 million, or $0.73 per diluted common share.
The Company also declared a quarterly cash dividend to common shareholders of thirty-one cents, $0.31, per common share. The quarterly dividend is payable to common shareholders of record on May 15, 2026, and is expected to be paid on May 29, 2026. 2026 marks the 41st consecutive year of regular dividends to common shareholders and 2025 represented the 16th consecutive year of regular dividend increases.
On January 23, 2026, the Company completed the acquisition of Middlebourne, West Virginia-based, Hometown Bancshares, Inc. and its wholly owned subsidiary, Union Bank, Inc.
First Quarter 2026 Highlights
Income Statement
o
Net income of $12.03 million for the first quarter of 2026, was an increase of $209 thousand, or 1.77%, from the same quarter of 2025.
o
When adjusted for merger and non-recurring expenses, net income of $13.83 million was an increase of $2.01 million, or 17.02%, from the same period in 2025.
o
Net interest margin remained strong at 4.37% in the first quarter of 2026, up 3 basis points from the first quarter of 2025. Net interest rate spread increased 11 basis points to 4.05%, driving a $3.05 million, or 10.02%, increase in tax-equivalent net interest income. The improvement was primarily driven by an increase in the average balance of interest earnings assets and lower funding cost yields. Average earning assets increased $263.04 million, or 9.26%, contributing $2.67 million in additional interest income, while the yield of interest-bearing deposits declined 19 basis points, reducing interest expense by $393 thousand, or 8.07%.
o
Net interest income after provision for loan losses increased $2.94 million, or 9.80%, compared to March 31, 2025. The increase is attributable to an increase in average earnings assets and decreased funding costs.
o
Noninterest income increased approximately $1.23 million, or 12.00%, when compared to the same quarter of 2025. The increase is attributable primarily to an increase in other services charges and fees of $603 thousand, or 18.05%, and service charges on deposits of $349 thousand, or 9.10%. Noninterest expense increased $3.79 million, or 15.21%, when compared to the same period of 2025. The increase is attributable to merger expenses of $2.31 million and an increase in salaries and benefits of $1.03 million, or 7.74%. The merger expense is related to the recent acquisition of Hometown Bancshares, Inc.
o
Annualized return on average assets ("ROA") was 1.39% for the first quarter of 2026 compared to 1.49% for the same period of 2025. Annualized return on average common equity ("ROE") was 9.29% for the first quarter of 2026 compared to 9.49% for the same period of 2025.
o
When adjusted for merger and non-recurring expenses, ROA was 1.60% for the first quarter of 2026 and ROE was 10.69%. Return on average tangible common equity continues to remain strong at 15.48% for the first quarter of 2026.
1
Balance Sheet and Asset Quality
o
The Company completed the strategic acquisition of Hometown Bancshares, Inc., on January 23, 2026. Total assets of $393.81 million were acquired in the transaction increasing the Company's consolidated assets to $3.64 billion on March 31, 2026. In addition, the Company issued 1.03 million common shares in the purchase resulting in an increase in capital of $35.07 million. The purchase transaction created $1.73 million in goodwill and $8.59 million in other intangible assets. Other major balance sheet components increased in the transaction with $171.04 million acquired loans and $357.72 million in deposits.
o
The Company's loan portfolio increased $141.27 million, or 6.10% from yearend 2025. Excluding the Hometown transaction, the loan portfolio decreased approximately $29.77 million, or 1.29%. Loan production for the first quarter of 2026 was $105.07 million, an increase of $27.16 million over first quarter of 2025.
o
Deposits increased $379.06 million, or 14.12% from December 31, 2025. Excluding the Hometown transaction, deposits increased $21.33 million, or 0.79%.
o
The Company repurchased 504,652 common shares for a total cost of $20.33 million during the first quarter of 2026. Shares repurchase activity was suspended in the third quarter of 2025 in anticipation of the acquisition of Hometown Bancshares, Inc. and resumed upon its completion in the first quarter of 2026.
o
Non-performing loans to total loans decreased to 0.72%, a 0.12% reduction when compared with the same quarter of 2025. The Company experienced net charge-offs for the first quarter of 2026 of $731 thousand, or 0.12%, of annualized average loans, compared to net charge-offs of $1.39 million, or 0.24%, of annualized average loans for the same period in 2025.
o
The allowance for credit losses increased $2.78 million, primarily driven by the $3.21 million impact of the Hometown transaction. The allowance for credit losses to total loans was 1.37% on March 31, 2026, compared to 1.42% on March 31, 2025.
o
Book value per share on March 31, 2026, was $ 27.64, an increase of $0.34 from year-end 2025.
Non-GAAP Financial Measures
In addition to financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), the Company uses certain non-GAAP financial measures that provide useful information for financial and operational decision making, evaluating trends, and comparing financial results to other financial institutions. The non-GAAP financial measures presented in this news release include “tangible book value per common share,” “return on average tangible common equity,” “adjusted earnings,” “adjusted diluted earnings per share,” “adjusted return on average assets,” “adjusted return on average common equity,” “adjusted return on average tangible common equity,” and certain financial measures presented on a fully taxable equivalent (“FTE”) basis. FTE basis is calculated using the federal statutory income tax rate of 21%. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as a reconciliation to that comparable GAAP financial measure can be found in the attached tables to this press release. While the Company believes certain non-GAAP financial measures enhance the understanding of its business and performance, they are supplemental and not a substitute for, or more important than, financial measures prepared in accordance with GAAP and may not be comparable to those reported by other financial institutions.
About First Community Bankshares, Inc.
First Community Bankshares, Inc., a financial holding company headquartered in Bluefield, Virginia, provides banking products and services through its wholly owned subsidiary First Community Bank. First Community Bank operated 61 branch banking locations in Virginia, West Virginia, North Carolina, and Tennessee as of March 31, 2026. First Community Bank offers wealth management and investment advice and services through its Trust Division and through its wholly owned subsidiary, First Community Wealth Management, which collectively managed and administered $1.77 billion in combined assets as of March 31, 2026. The Company reported consolidated assets of $3.64 billion as of March 31, 2026. The Company’s common stock is listed on the NASDAQ Global Select Market under the trading symbol, “FCBC”. Additional investor information is available on the Company’s website at www.firstcommunitybank.com.
This news release may include forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; changes in banking laws and regulations; the degree of competition by traditional and non-traditional competitors; the impact of natural disasters, extreme weather events, military conflict , terrorism or other geopolitical events; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports including, but not limited to, the Annual Report on Form 10-K for the most recent fiscal year end. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.
2
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
Three Months Ended
March 31,
December 31,
September 30,
June 30,
March 31,
(Amounts in thousands, except share and per share data)
2026
2025
2025
2025
2025
Interest income
Interest and fees on loans
$
31,722
$
31,232
$
30,805
$
30,637
$
30,669
Interest on securities
2,198
1,221
1,050
1,029
1,238
Interest on deposits in banks
3,861
3,826
3,844
3,722
3,262
Total interest income
37,781
36,279
35,699
35,388
35,169
Interest expense
Interest on deposits
4,487
3,918
4,402
4,731
4,871
Interest on borrowings
-
-
-
-
-
Total interest expense
4,487
3,918
4,402
4,731
4,871
Net interest income
33,294
32,361
31,297
30,657
30,298
Provision for credit losses
378
36
-
(285
)
321
Net interest income after provision
32,916
32,325
31,297
30,942
29,977
Noninterest income
11,457
11,429
10,889
10,340
10,229
Noninterest expense
28,737
27,624
26,279
25,455
24,944
Income before income taxes
15,636
16,130
15,907
15,827
15,262
Income tax expense
3,609
3,665
3,641
3,581
3,444
Net income
$
12,027
$
12,465
$
12,266
$
12,246
$
11,818
Earnings per common share
Basic
$
0.64
$
0.68
$
0.67
$
0.67
$
0.64
Diluted
$
0.63
$
0.68
$
0.67
$
0.67
$
0.64
Cash dividends per common share
Regular
0.31
0.31
0.31
0.31
0.31
Special cash dividend
-
1.00
-
-
2.07
Weighted average shares outstanding
Basic
18,925,478
18,315,268
18,314,865
18,295,465
18,324,760
Diluted
19,032,945
18,390,550
18,400,289
18,400,793
18,451,321
Performance ratios
Return on average assets
1.39
%
1.53
%
1.53
%
1.53
%
1.49
%
Return on average common equity
9.29
%
9.63
%
9.58
%
9.84
%
9.49
%
Return on average tangible common equity(1)
13.46
%
13.80
%
13.82
%
14.32
%
13.79
%
(1)
A non-GAAP financial measure defined as net income divided by average stockholders' equity less average goodwill and other intangible assets.
CONDENSED CONSOLIDATED QUARTERLY NONINTEREST INCOME AND EXPENSE (Unaudited)
Three Months Ended
March 31,
December 31,
September 30,
June 30,
March 31,
(Amounts in thousands)
2026
2025
2025
2025
2025
Noninterest income
Wealth management
$
1,299
$
1,181
$
1,371
$
1,222
$
1,162
Service charges on deposits
4,185
4,292
4,520
4,120
3,836
Other service charges and fees
3,943
4,046
3,847
3,791
3,340
(Loss) gain on sale of securities
(2
)
-
-
-
-
Other operating income
2,032
1,911
1,151
1,207
1,891
Total noninterest income
$
11,457
$
11,429
$
10,889
$
10,340
$
10,229
Noninterest expense
Salaries and employee benefits
$
14,367
$
14,398
$
14,351
$
14,349
$
13,335
Occupancy expense
1,666
1,306
1,508
1,290
1,576
Furniture and equipment expense
1,573
1,484
1,502
1,587
1,575
Service fees
2,789
2,648
2,728
2,475
2,484
Advertising and public relations
873
923
939
1,154
1,055
Professional fees
238
240
293
360
372
Amortization of intangibles
846
433
433
526
524
FDIC premiums and assessments
415
360
362
361
362
Merger expense
2,310
2,125
787
-
-
Other operating expense
3,660
3,707
3,376
3,353
3,661
Total noninterest expense
$
28,737
$
27,624
$
26,279
$
25,455
$
24,944
3
RECONCILIATION OF GAAP NET INCOME TO NON-GAAP ADJUSTED EARNINGS (Unaudited)
Three Months Ended
March 31,
December 31,
September 30,
June 30,
March 31,
(Amounts in thousands, except per share data)
2026
2025
2025
2025
2025
Adjusted Net Income for diluted earnings per share
$
12,027
$
12,465
$
12,266
$
12,246
$
11,818
Non-GAAP adjustments:
Loss on sale of securities
2
-
-
-
-
Merger expense
2,310
2,125
787
-
-
Total adjustments
2,312
2,125
787
-
-
Tax effect
509
434
152
-
-
Adjusted earnings, non-GAAP
$
13,830
$
14,156
$
12,901
$
12,246
$
11,818
Adjusted diluted earnings per common share, non-GAAP
$
0.73
$
0.77
$
0.70
$
0.67
$
0.64
Performance ratios, non-GAAP
Adjusted return on average assets
1.60
%
1.74
%
1.60
%
1.53
%
1.49
%
Adjusted return on average common equity
10.69
%
10.94
%
10.08
%
9.84
%
9.49
%
Adjusted return on average tangible common equity (2)
15.48
%
15.67
%
14.53
%
14.32
%
13.79
%
(1)
Includes other non-recurring income and expense items.
(2)
A non-GAAP financial measure defined as adjusted earnings divided by average stockholders' equity less average goodwill and other intangible assets.
4
AVERAGE BALANCE SHEETS AND NET INTEREST INCOME ANALYSIS (Unaudited)
Three Months Ended March 31,
2026
2025
Average
Average Yield/
Average
Average Yield/
(Amounts in thousands)
Balance
Interest(1)
Rate(1)
Balance
Interest(1)
Rate(1)
Assets
Earning assets
Loans(2)(3)
$
2,434,351
$
31,854
5.31
%
$
2,395,068
$
30,757
5.21
%
Securities available for sale
258,621
2,224
3.49
%
149,266
1,261
3.43
%
Interest-bearing deposits
410,338
3,865
3.82
%
295,939
3,262
4.47
%
Total earning assets
3,103,310
37,943
4.96
%
2,840,273
35,280
5.04
%
Other assets
413,222
373,791
Total assets
$
3,516,532
$
3,214,064
Liabilities and stockholders' equity
Interest-bearing deposits
Demand deposits
$
780,138
$
417
0.22
%
$
658,651
$
180
0.11
%
Savings deposits
997,222
3,097
1.26
%
891,148
3,311
1.51
%
Time deposits
216,089
964
1.81
%
238,254
1,380
2.35
%
Total interest-bearing deposits
1,993,449
4,478
0.91
%
1,788,053
4,871
1.10
%
Borrowings
Federal funds purchased
-
-
-
-
-
-
Retail repurchase agreements
2,565
9
1.44
%
1,071
-
0.06
%
Total borrowings
2,565
9
1.44
%
1,071
-
0.06
%
Total interest-bearing liabilities
1,996,014
4,487
0.91
%
1,789,124
4,871
1.10
%
Noninterest-bearing demand deposits
933,084
859,988
Other liabilities
62,507
60,167
Total liabilities
2,991,605
2,709,279
Stockholders' equity
524,927
504,785
Total liabilities and stockholders' equity
$
3,516,532
$
3,214,064
Net interest income, FTE(1)
$
33,456
$
30,409
Net interest rate spread
4.05
%
3.94
%
Net interest margin, FTE(1)
4.37
%
4.34
%
(1)
Interest income and average yield/rate are presented on a FTE, non-GAAP, basis using the federal statutory income tax rate of 21%.
(2)
Nonaccrual loans are included in the average balance; however, no related interest income is recorded during the period of nonaccrual.
(3)
Interest on loans includes non-cash and accelerated purchase accounting accretion of $490 thousand and $556 thousand for the three months ended March 31, 2026,and 2025, respectively.
5
CONDENSED CONSOLIDATED QUARTERLY BALANCE SHEETS (Unaudited)
March 31,
December 31,
September 30,
June 30,
March 31,
(Amounts in thousands, except per share data)
2026
2025
2025
2025
2025
Assets
Cash and cash equivalents
$
600,299
$
512,240
$
427,705
$
395,057
$
414,682
Debt securities available for sale, at fair value
267,522
132,688
131,314
132,535
129,659
Loans held for investment, net of unearned income
2,456,029
2,314,755
2,331,305
2,353,277
2,382,699
Allowance for credit losses
(33,543
)
(30,761
)
(31,597
)
(33,020
)
(33,784
)
Loans held for investment, net
2,422,486
2,283,994
2,299,708
2,320,257
2,348,915
Premises and equipment, net
50,204
47,560
47,522
48,023
48,780
Other real estate owned
-
-
264
455
298
Interest receivable
9,856
8,720
9,121
8,787
9,306
Goodwill
145,672
143,946
143,946
143,946
143,946
Other intangible assets
18,841
11,098
11,531
11,964
12,490
Other assets
130,067
119,397
118,502
119,990
117,697
Total assets
$
3,644,947
$
3,259,643
$
3,189,613
$
3,181,014
$
3,225,773
Liabilities
Deposits
Noninterest-bearing
$
959,555
$
896,255
$
865,554
$
873,677
$
893,794
Interest-bearing
2,104,832
1,789,074
1,765,039
1,761,687
1,790,683
Total deposits
3,064,387
2,685,329
2,630,593
2,635,364
2,684,477
Securities sold under agreements to repurchase
3,181
1,214
1,429
1,016
908
Interest, taxes, and other liabilities
55,985
72,553
46,866
41,805
43,971
Total liabilities
3,123,553
2,759,096
2,678,888
2,678,185
2,729,356
Stockholders' equity
Common stock
18,861
18,335
18,315
18,311
18,327
Additional paid-in capital
184,684
170,358
169,569
169,358
169,867
Retained earnings
325,439
319,368
330,895
324,307
317,728
Accumulated other comprehensive loss
(7,590
)
(7,514
)
(8,054
)
(9,147
)
(9,505
)
Total stockholders' equity
521,394
500,547
510,725
502,829
496,417
Total liabilities and stockholders' equity
$
3,644,947
$
3,259,643
$
3,189,613
$
3,181,014
$
3,225,773
Shares outstanding at period-end
18,861,295
18,334,787
18,314,905
18,311,232
18,326,657
Book value per common share
$
27.64
$
27.30
$
27.89
$
27.46
$
27.09
Tangible book value per common share(1)
18.92
18.84
19.40
18.95
18.55
(1)
A non-GAAP financial measure defined as stockholders' equity less goodwill and other intangible assets, divided by shares outstanding.
6
SELECTED CREDIT QUALITY INFORMATION (Unaudited)
March 31,
December 31,
September 30,
June 30,
March 31,
(Amounts in thousands)
2026
2025
2025
2025
2025
Allowance for Credit Losses
Balance at beginning of period:
Allowance for credit losses - loans
$
30,761
$
31,597
$
33,020
$
33,784
$
34,825
Allowance for credit losses - loan commitments
355
319
319
312
341
Total allowance for credit losses beginning of period
31,116
31,916
33,339
34,096
35,166
Adjustments to beginning balance:
Allowance for credit losses - loans - Hometown acquisition
3,213
-
-
-
-
Net Adjustments
3,213
-
-
-
-
Provision for credit losses:
Provision for (recovery of) credit losses - loans
300
-
-
(292
)
350
Provision for (recovery of) credit losses - loan commitments
78
36
-
7
(29
)
Total provision for (recovery of) credit losses - loans and loan commitments
378
36
-
(285
)
321
Charge-offs
(1,379
)
(1,527
)
(2,015
)
(1,509
)
(1,998
)
Recoveries
648
691
592
1,037
607
Net charge-offs
(731
)
(836
)
(1,423
)
(472
)
(1,391
)
Balance at end of period:
Allowance for credit losses - loans
33,543
30,761
31,597
33,020
33,784
Allowance for credit losses - loan commitments
433
355
319
319
312
Ending balance
$
33,976
$
31,116
$
31,916
$
33,339
$
34,096
Nonperforming Assets
Nonaccrual loans
$
17,672
$
13,941
$
16,514
$
18,084
$
19,974
Accruing loans past due 90 days or more
30
212
125
568
117
Total nonperforming loans
17,702
14,153
16,639
18,652
20,091
OREO
-
-
264
455
298
Total nonperforming assets
$
17,702
$
14,153
$
16,903
$
19,107
$
20,389
Additional Information
Total modified loans
$
2,736
$
2,442
$
2,291
$
2,129
$
2,124
Asset Quality Ratios
Nonperforming loans to total loans
0.72
%
0.61
%
0.71
%
0.79
%
0.84
%
Nonperforming assets to total assets
0.49
%
0.43
%
0.53
%
0.60
%
0.63
%
Allowance for credit losses to nonperforming loans
189.49
%
217.35
%
189.90
%
177.03
%
168.15
%
Allowance for credit losses to total loans
1.37
%
1.33
%
1.36
%
1.40
%
1.42
%
Annualized net charge-offs to average loans
0.12
%
0.14
%
0.24
%
0.08
%
0.24
%
7
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v3.26.1
Document And Entity Information
Apr. 28, 2026
Document Information [Line Items]
Entity, Registrant Name
FIRST COMMUNITY BANKSHARES, INC.
Document, Type
8-K
Document, Period End Date
Apr. 28, 2026
Entity, Incorporation, State or Country Code
VA
Entity, File Number
000-19297
Entity, Tax Identification Number
55-0694814
Entity, Address, Address Line One
P.O. Box 989
Entity, Address, City or Town
Bluefield
Entity, Address, State or Province
VA
Entity, Address, Postal Zip Code
24605-0989
City Area Code
276
Local Phone Number
326-9000
Written Communications
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Common Stock
Trading Symbol
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Security Exchange Name
NASDAQ
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