First Community Corporation Announces Third Quarter Results and Cash Dividend
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 22 2025
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Should l Buy FCCO?
Source: PRnewswire
Financial Performance: First Community Corporation reported a net income of $5.192 million for Q3 2025, a 34.5% increase year-over-year, with diluted EPS of $0.67, also up 34.0% year-over-year. Year-to-date net income reached $14.375 million, a 47.8% increase compared to the same period in 2024.
Loan and Deposit Growth: Total loans increased by $19.3 million in Q3 2025, reflecting a 6.1% annualized growth rate, while total deposits rose by $17.1 million, with customer deposits growing by $27.6 million, indicating a strong focus on relationship-based accounts.
Asset Quality and Capital Ratios: The bank maintained strong asset quality metrics, with a non-performing assets ratio of 0.04% and a past due ratio of 0.07%. Regulatory capital ratios exceeded minimum requirements, with a Common Equity Tier I ratio of 13.10% as of September 30, 2025.
Dividends and Share Repurchase Plan: The Board approved a cash dividend of $0.16 per share, marking the 95th consecutive quarter of dividends. Additionally, a share repurchase plan of up to $7.5 million was authorized to enhance capital management flexibility.
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About FCCO
First Community Corporation is the holding company for First Community Bank, doing business as Signature Bank of Georgia (the Bank). The Bank is a full-service commercial bank offering deposit and loan products and services, residential mortgage lending and financial planning/investment advisory services for businesses and consumers. It operates 23 full-service offices and a loan production office spanning the Midlands, Upstate, and Piedmont regions of South Carolina, the Central Savannah River Area region of South Carolina and Georgia, and the Atlanta-Sandy Springs-Roswell, Georgia MSA. Its commercial and retail banking segment provides deposit and lending products and services. Its mortgage banking segment provides mortgage origination services for loans that will be sold to investors in the secondary market and consumer mortgage loans that will be held for investment. Its investment advisory and non-deposit segment provides investment advisory services and non-deposit products.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Community Corp Reports Q1 Earnings Growth
- Significant Earnings Growth: First Community Corp reported Q1 earnings of $5.50 million, translating to $0.59 per share, a notable increase from last year's $3.99 million and $0.51 per share, indicating improved profitability.
- Substantial Revenue Increase: The company's revenue surged 27.7% year-over-year to $18.37 million, up from $14.39 million last year, reflecting enhanced competitiveness and an expanded customer base.
- Robust Financial Performance: Amidst the overall economic landscape, First Community Corp's financial performance remains strong, with simultaneous growth in earnings and revenue demonstrating effective cost control and successful business expansion.
- Optimistic Future Outlook: With ongoing revenue and earnings growth, the company is poised to further increase market share and deliver higher returns to shareholders, thereby boosting investor confidence.
See More
First Community Reports Q1 2026 Financial Results
- Earnings Performance: First Community achieved a GAAP EPS of $0.59 in Q1 2026, with net income reaching $5.49 million, indicating a sustained enhancement in profitability that bolsters investor confidence.
- Dividend Declaration: The company declared a cash dividend of $0.16 per common share, reflecting strong cash flow and a commitment to shareholder returns, which is expected to attract more long-term investors.
- Loan and Deposit Growth: Total loans increased by $238.1 million to $1.549 billion in Q1 2026, while total deposits rose by $298.7 million to $2.048 billion, demonstrating the company's competitive strength and growing customer trust in the market.
- Assets Under Management: As of Q1 2026, assets under management totaled $1.130 billion, showcasing robust growth in the asset management sector, which further enhances the company's market position and future growth potential.
See More
First Community Declares Quarterly Dividend of $0.16 per Share
- Quarterly Dividend Declaration: First Community has declared a quarterly dividend of $0.16 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
- Dividend Yield: The forward yield of 2.12% provides investors with a relatively stable return, enhancing the attractiveness of the company's stock to potential investors.
- Payment Schedule: The dividend will be payable on May 19, with a record date of May 5 and an ex-dividend date also on May 5, ensuring shareholders receive their earnings promptly.
- Asset Quality Support: The strong asset quality of First Community continues to support a “Buy” rating, reflecting market confidence in the company's future growth potential.
See More
First Community Corporation Reports Q4 2025 Highlights
- Net Income Growth: First Community Corporation reported a net income of $4.830 million for Q4 2025, down from $5.192 million in Q3 2025 but up 14.1% year-over-year, indicating the company's ability to maintain profitability in a competitive market.
- Earnings Per Share Performance: The diluted earnings per share for Q4 2025 was $0.62, a decrease from $0.67 in Q3 2025 but a 12.7% increase from $0.55 in Q4 2024, reflecting ongoing improvements in the company's profitability.
- Dividend and Buyback Plan: The Board approved a cash dividend of $0.16 per share for Q4 2025 and a plan to repurchase up to $7.5 million in stock, demonstrating the company's commitment to capital management and shareholder returns.
- Stable Asset Quality: As of Q4 2025, non-performing assets represented only 0.02% of total assets, showcasing the company's effectiveness in credit risk management and further bolstering investor confidence.
See More
First Community Closes $50M Acquisition of Signature Bank, Assets Exceed $2.3B
- Merger Completion: First Community Corporation successfully closed its acquisition of Signature Bank on January 8, 2026, valued at approximately $50 million, which elevates the company's total assets to over $2.3 billion, thereby enhancing its market position in South Carolina and Georgia.
- Business Integration: Following the merger, the former offices of Signature Bank will continue to operate as First Community Bank d/b/a Signature Bank of Georgia until the systems conversion is completed in March 2026, which is expected to improve customer service efficiency.
- Network Expansion: The merger expands First Community's full-service banking network to 23 offices, covering multiple regions in South Carolina and Georgia, thereby enhancing its market penetration capabilities.
- Management Changes: Post-merger, former Signature Bank CEO Fred J. Deutsch has been appointed as Executive Vice President of First Community Bank, further strengthening the management team's expertise and market experience.
See More
First Community Closes $50M Acquisition of Signature Bank, Assets Exceed $2.3B
- Merger Completion: First Community Corporation successfully closed its acquisition of Signature Bank on January 8, 2026, valued at approximately $50 million, which increases the company's total assets to over $2.3 billion, enhancing its market position.
- Business Integration: Following the merger, the former offices of Signature Bank will operate as First Community Bank d/b/a Signature Bank of Georgia until the systems conversion is completed in March 2026, thereby improving customer service efficiency.
- Network Expansion: The merger expands First Community's full-service banking network to 23 offices, covering multiple regions in South Carolina and Georgia, which enhances its market penetration capabilities.
- Management Changes: Post-merger, former Signature Bank CEO Fred J. Deutsch and independent director Jonathan W. Been have joined the boards of First Community, further strengthening the company's management capabilities and industry expertise.
See More
First Community Corp Reports Q1 Earnings Growth
- Significant Earnings Growth: First Community Corp reported Q1 earnings of $5.50 million, translating to $0.59 per share, a notable increase from last year's $3.99 million and $0.51 per share, indicating improved profitability.
- Substantial Revenue Increase: The company's revenue surged 27.7% year-over-year to $18.37 million, up from $14.39 million last year, reflecting enhanced competitiveness and an expanded customer base.
- Robust Financial Performance: Amidst the overall economic landscape, First Community Corp's financial performance remains strong, with simultaneous growth in earnings and revenue demonstrating effective cost control and successful business expansion.
- Optimistic Future Outlook: With ongoing revenue and earnings growth, the company is poised to further increase market share and deliver higher returns to shareholders, thereby boosting investor confidence.
See More
First Community Reports Q1 2026 Financial Results
- Earnings Performance: First Community achieved a GAAP EPS of $0.59 in Q1 2026, with net income reaching $5.49 million, indicating a sustained enhancement in profitability that bolsters investor confidence.
- Dividend Declaration: The company declared a cash dividend of $0.16 per common share, reflecting strong cash flow and a commitment to shareholder returns, which is expected to attract more long-term investors.
- Loan and Deposit Growth: Total loans increased by $238.1 million to $1.549 billion in Q1 2026, while total deposits rose by $298.7 million to $2.048 billion, demonstrating the company's competitive strength and growing customer trust in the market.
- Assets Under Management: As of Q1 2026, assets under management totaled $1.130 billion, showcasing robust growth in the asset management sector, which further enhances the company's market position and future growth potential.
See More
First Community Declares Quarterly Dividend of $0.16 per Share
- Quarterly Dividend Declaration: First Community has declared a quarterly dividend of $0.16 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
- Dividend Yield: The forward yield of 2.12% provides investors with a relatively stable return, enhancing the attractiveness of the company's stock to potential investors.
- Payment Schedule: The dividend will be payable on May 19, with a record date of May 5 and an ex-dividend date also on May 5, ensuring shareholders receive their earnings promptly.
- Asset Quality Support: The strong asset quality of First Community continues to support a “Buy” rating, reflecting market confidence in the company's future growth potential.
See More
First Community Corporation Reports Q4 2025 Highlights
- Net Income Growth: First Community Corporation reported a net income of $4.830 million for Q4 2025, down from $5.192 million in Q3 2025 but up 14.1% year-over-year, indicating the company's ability to maintain profitability in a competitive market.
- Earnings Per Share Performance: The diluted earnings per share for Q4 2025 was $0.62, a decrease from $0.67 in Q3 2025 but a 12.7% increase from $0.55 in Q4 2024, reflecting ongoing improvements in the company's profitability.
- Dividend and Buyback Plan: The Board approved a cash dividend of $0.16 per share for Q4 2025 and a plan to repurchase up to $7.5 million in stock, demonstrating the company's commitment to capital management and shareholder returns.
- Stable Asset Quality: As of Q4 2025, non-performing assets represented only 0.02% of total assets, showcasing the company's effectiveness in credit risk management and further bolstering investor confidence.
See More
First Community Closes $50M Acquisition of Signature Bank, Assets Exceed $2.3B
- Merger Completion: First Community Corporation successfully closed its acquisition of Signature Bank on January 8, 2026, valued at approximately $50 million, which elevates the company's total assets to over $2.3 billion, thereby enhancing its market position in South Carolina and Georgia.
- Business Integration: Following the merger, the former offices of Signature Bank will continue to operate as First Community Bank d/b/a Signature Bank of Georgia until the systems conversion is completed in March 2026, which is expected to improve customer service efficiency.
- Network Expansion: The merger expands First Community's full-service banking network to 23 offices, covering multiple regions in South Carolina and Georgia, thereby enhancing its market penetration capabilities.
- Management Changes: Post-merger, former Signature Bank CEO Fred J. Deutsch has been appointed as Executive Vice President of First Community Bank, further strengthening the management team's expertise and market experience.
See More
First Community Closes $50M Acquisition of Signature Bank, Assets Exceed $2.3B
- Merger Completion: First Community Corporation successfully closed its acquisition of Signature Bank on January 8, 2026, valued at approximately $50 million, which increases the company's total assets to over $2.3 billion, enhancing its market position.
- Business Integration: Following the merger, the former offices of Signature Bank will operate as First Community Bank d/b/a Signature Bank of Georgia until the systems conversion is completed in March 2026, thereby improving customer service efficiency.
- Network Expansion: The merger expands First Community's full-service banking network to 23 offices, covering multiple regions in South Carolina and Georgia, which enhances its market penetration capabilities.
- Management Changes: Post-merger, former Signature Bank CEO Fred J. Deutsch and independent director Jonathan W. Been have joined the boards of First Community, further strengthening the company's management capabilities and industry expertise.
See More
