First Community Bank Mortgage Rates, Fees & Info

Bluefield, VA

LEI: 5493007TJ86W1ZK4LZ15

Tax ID: 55-0118830

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Mortgage Data

Bank Data

Review & Overview

First Community Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. First Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Bluefield, Richmond, Blacksburg, Beckley, and Hickory among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.14% 4/21/24
30 Year Conventional Refi 5.90% 4/21/24
30 Year VA Purchase 6.27% 4/21/24
30 Year USDA Purchase 6.27% 4/21/24
15 Year Conventional Purchase 6.17% 4/21/24
15 Year Conventional Refi 5.83% 4/21/24
15 Year Cash-out Refi 5.83% 4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Community Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

804

Origination Dollar Volume (All Markets)

$120,500,000

Employee count

519

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 231 $26,855,000 $116,255 $2,853 5.16%
Bluefield, WV-VA (FHA|USDA|VA) 214 $25,490,000 $119,112 $2,565 5.08%
RICHMOND, VA (FHA|USDA|VA) 19 $9,045,000 $476,053 $5,283 5.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 41 $8,635,000 $210,610 $3,722 5.10%
BECKLEY, WV (FHA|USDA|VA) 56 $6,660,000 $118,929 $2,922 4.85%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 43 $6,465,000 $150,349 $3,859 5.19%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 37 $5,085,000 $137,432 $3,039 5.17%
JOHNSON CITY, TN (FHA|USDA|VA) 27 $4,935,000 $182,778 $2,746 4.74%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $3,100,000 $193,750 $3,114 5.22%
Clarksburg, WV (FHA|USDA|VA) 27 $3,055,000 $113,148 $3,521 5.43%
ROANOKE, VA (FHA|USDA|VA) 8 $2,740,000 $342,500 $4,303 4.72%
Shelby, NC (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $0 5.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 4.95%
North Wilkesboro, NC (FHA|USDA|VA) 13 $1,625,000 $125,000 $3,665 5.01%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $1,300,000 $650,000 $6,201 4.00%
MORGANTOWN, WV (FHA|USDA|VA) 6 $1,250,000 $208,333 $2,814 5.10%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $1,180,000 $118,000 $3,694 5.26%
WINSTON-SALEM, NC (FHA|USDA|VA) 9 $1,145,000 $127,222 $2,695 5.60%
Greeneville, TN (FHA|USDA|VA) 4 $720,000 $180,000 $3,260 4.44%
Mount Airy, NC (FHA|USDA|VA) 9 $675,000 $75,000 $2,664 5.26%
CHARLESTON, WV (FHA|USDA|VA) 3 $655,000 $218,333 $3,827 4.71%
Sevierville, TN (FHA|USDA|VA) 4 $580,000 $145,000 $3,607 5.04%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $555,000 $555,000 $7,021 4.13%
MORRISTOWN, TN (FHA|USDA|VA) 1 $535,000 $535,000 $5,649 4.25%
Fairmont, WV (FHA|USDA|VA) 4 $520,000 $130,000 $1,333 4.84%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $515,000 $171,667 $4,148 4.71%
Boone, NC (FHA|USDA|VA) 1 $485,000 $485,000 $9,476 4.25%
Marion, NC (FHA|USDA|VA) 1 $405,000 $405,000 $6,458 4.13%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 4 $310,000 $77,500 $2,371 5.31%
PITTSBURGH, PA (FHA|USDA|VA) 1 $305,000 $305,000 $5,427 4.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,876 4.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,375 4.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,427 4.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.00%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,881 4.00%
Danville, VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.13%
First Community Bank's top markets include Bluefield, Richmond, Blacksburg, Beckley, and Hickory among others.

Their top states include:
  • West Virginia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 804 $120,500,000 $149,876 $3,010 5.09%

    For 2018, First Community Bank's most frequently originated type of loan was Conventional, with 804 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 477 $71,885,000 $150,702 $3,332 5.02%
    Cash Out Refi 165 $25,675,000 $155,606 $2,725 4.93%
    Refi 110 $18,550,000 $168,636 $2,035 5.36%
    Home Improvement 37 $3,525,000 $95,270 $2,017 5.60%
    Other 15 $865,000 $57,667 $2,011 5.79%

    For 2018, First Community Bank's most frequently cited loan purpose was Home Purchase, with 477 originations. The 2nd most popular reason was Cash Out Refi, with 165 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 344 $47,490,000 $138,052 $2,627 4.92%
    15 Year 162 $15,060,000 $92,963 $2,478 5.56%
    30 Year 113 $23,265,000 $205,885 $3,526 4.61%
    Other 74 $17,710,000 $239,324 $4,510 5.50%
    10 Year 65 $6,355,000 $97,769 $1,866 5.32%
    30+ year 22 $6,660,000 $302,727 $6,572 4.30%
    5 Year 20 $3,730,000 $186,500 $1,452 5.39%
    1 Year 3 $215,000 $71,667 $0 5.25%
    3 Year 1 $15,000 $15,000 $0 6.50%

    For 2018, First Community Bank's most frequently cited loan duration was 20 Year, with 344 originations. The 2nd most popular length was 15 Year, with 162 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 244 $28,900,000 $118,443
    $<1k 154 $10,740,000 $69,740
    $2k-3k 93 $23,315,000 $250,699
    $3k-4k 13 $5,465,000 $420,385
    $4k-5k 10 $5,100,000 $510,000
    $5k+ 4 $2,750,000 $687,500

    First Community Bank's average total fees were $3,526, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 244 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 382 $67,380,000 $176,387
    5-6% 246 $27,920,000 $113,496
    6-7% 79 $5,625,000 $71,203
    3-4% 70 $18,300,000 $261,429
    7-8% 16 $700,000 $43,750
    Over 8% 10 $340,000 $34,000
    % 1 $235,000 $235,000

    During 2018, First Community Bank's average interest rate for loans was 4.61%, while their most frequently originated rate bucket for loans was 4-5%, with 382 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 430 $24,180,000 $56,233 $2,036 5.43%
    $100k-200k 216 $30,240,000 $140,000 $3,040 4.81%
    $200k-400k 114 $31,040,000 $272,281 $4,444 4.52%
    $400k-600k 26 $12,380,000 $476,154 $6,222 4.53%
    $1MM+ 10 $16,720,000 $1,672,000 $8,231 4.84%
    $600k-1MM 8 $5,940,000 $742,500 $9,751 4.49%

    2018 saw First Community Bank place emphasis on $100,000 or less loans with 430 originations, totaling $24,180,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 197 $13,635,000 $69,213 $2,196 5.25%
    $50k-75k 174 $17,040,000 $97,931 $2,710 5.13%
    $100k-150k 87 $16,105,000 $185,115 $4,085 4.80%
    $75k-100k 79 $11,495,000 $145,506 $3,278 4.76%
    $150k-250k 61 $16,425,000 $269,262 $4,566 4.74%
    $250k+ 32 $9,560,000 $298,750 $4,845 4.48%

    First Community Bank lent most frequently to those with incomes in the $50k or less range, with 197 originations. The second most popular income band? $50k-75k, with 174 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 154 $20,560,000 $133,506 $2,976 4.89%
    30-36% 137 $20,695,000 $151,058 $3,159 4.82%
    <20% 61 $6,775,000 $111,066 $2,651 4.89%
    36% 34 $5,300,000 $155,882 $3,335 4.74%
    37% 31 $5,235,000 $168,871 $3,303 4.58%
    38% 27 $4,995,000 $185,000 $3,444 4.65%
    40% 18 $2,080,000 $115,556 $2,847 4.99%
    39% 18 $3,180,000 $176,667 $3,431 4.56%
    41% 14 $3,050,000 $217,857 $3,890 4.58%
    42% 13 $1,405,000 $108,077 $2,566 4.81%
    >60% 4 $1,650,000 $412,500 $2,680 5.13%
    43% 2 $130,000 $65,000 $928 6.19%
    45% 1 $75,000 $75,000 $2,546 3.88%
    50-60% 1 $65,000 $65,000 $278 5.63%

    First Community Bank lent most frequently to those with DTI ratios of 20-30%, with 154 originations. The next most common DTI ratio? 30-36%, with 137 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 638 $83,470,000 $130,831 $2,975 5.01%
    Not applicable 148 $32,690,000 $220,878 $0 5.49%
    Asian 6 $1,980,000 $330,000 $4,228 4.15%
    Not provided 4 $1,170,000 $292,500 $4,571 4.69%
    Black 5 $895,000 $179,000 $3,891 4.75%
    Asian Indian 2 $250,000 $125,000 $0 5.13%
    Vietnamese 1 $45,000 $45,000 $0 6.13%

    Approval Rates

    Total approvals of all applications
    79.90%

    First Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.82%

    First Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 804 $120,500,000 $149,876

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 8 $5,480,000 $685,000
    Multifamily:Site-Built 10 $6,260,000 $626,000
    Single Family (1-4 Units):Manufactured 144 $9,350,000 $64,931
    Single Family (1-4 Units):Site-Built 642 $99,410,000 $154,844

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $3,650,000 $107,353 $1,744 5.39%
    40-60% 93 $10,195,000 $109,624 $2,697 5.05%
    60-80% 242 $28,500,000 $117,769 $2,630 5.24%
    80-100% 382 $60,830,000 $159,241 $3,368 4.88%
    Over 100% 23 $11,475,000 $498,913 $5,727 5.40%
    Under 20% 19 $3,415,000 $179,737 $996 5.77%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Community Bank 1 Stafford Commons Princeton, WV 24740 Full Service B&M $194,295
    First Community Bank 100 Market Street Man, WV 25635 Full Service B&M $41,694
    First Community Bank 1001 Bob White Boulevard Pulaski, VA 24301 Full Service B&M $43,093
    First Community Bank 101 Brookfall Dairy Road Elkin, NC 28621 Full Service B&M $14,032
    First Community Bank 101 Sanders Lane Bluefield, VA 24605 Full Service B&M $66,156
    First Community Bank 101 Vermillion Street Athens, WV 24712 Full Service B&M $21,941
    First Community Bank 102 Wall Street Sw Abingdon, VA 24210 Full Service B&M $59,122
    First Community Bank 109 Roanoke Street Christiansburg, VA 24073 Full Service B&M $12,609
    First Community Bank 1102 Oakvale Road Princeton, WV 24740 Full Service B&M $11,691
    First Community Bank 111 Citizens Drive Beckley, WV 25801 Full Service B&M $51,659
    First Community Bank 11400 Midlothian Tunrpike Richmond, VA 23235 Full Service B&M $23,101
    First Community Bank 1220 Ritter Drive Daniels, WV 25832 Full Service B&M $26,211
    First Community Bank 125 North Main Street Sparta, NC 28675 Full Service B&M $32,466
    First Community Bank 1400 Tyler Avenue Radford, VA 24141 Full Service B&M $38,962
    First Community Bank 1406 S. Colorado Street Salem, VA 24153 Full Service B&M $5,620
    First Community Bank 141 East Jackson Street Gate City, VA 24251 Full Service B&M $33,391
    First Community Bank 14441 Sommerville Court Midlothian, VA 23113 Full Service B&M $16,701
    First Community Bank 148 North Main Street Hillsville, VA 24343 Full Service B&M $38,627
    First Community Bank 16 Red Oak Drive Craigsville, WV 26205 Full Service B&M $23,756
    First Community Bank 16 West Main Street Richwood, WV 26261 Full Service B&M $36,954
    First Community Bank 173 E Water Street Gate City, VA 24251 Limited, Drive-thru $0
    First Community Bank 1900 South Main Street Blacksburg, VA 24060 Full Service B&M $32,932
    First Community Bank 2 West Main Street Buckhannon, WV 26201 Full Service B&M $112,057
    First Community Bank 210 East Main Street Wytheville, VA 24382 Full Service B&M $90,345
    First Community Bank 211 Federal Street Bluefield, WV 24701 Limited, Drive-thru $0
    First Community Bank 211 Federal Street Bluefield, WV 24701 Full Service B&M $115,468
    First Community Bank 2681 Boones Creek Road Johnson City, TN 37615 Full Service B&M $11,620
    First Community Bank 2702 North Parham Road Richmond, VA 23294 Full Service B&M $85,892
    First Community Bank 29 College Drive Bluefield, VA 24605 Full Service B&M $879
    First Community Bank 29 South Kerr Avenue Wilmington, NC 28403 Limited, Administrative $0
    First Community Bank 298 Stokes Dr Hinton, WV 25951 Full Service B&M $19,507
    First Community Bank 300 Sunset Drive Johnson City, TN 37604 Full Service B&M $45,102
    First Community Bank 302 Washington Square Richlands, VA 24641 Full Service B&M $23,846
    First Community Bank 320 Chase Street Clintwood, VA 24228 Full Service B&M $17,474
    First Community Bank 401 Halifax Street Emporia, VA 23847 Full Service B&M $60,076
    First Community Bank 4206 Coal Heritage Road Bluefield, WV 24701 Full Service B&M $44,881
    First Community Bank 5119 Mountain View Rd Hays, NC 28635 Full Service B&M $15,272
    First Community Bank 643 East Riverside Drive Tazewell, VA 24605 Full Service B&M $23,016
    First Community Bank 6951 Commons Plaza Chesterfield, VA 23832 Full Service B&M $58,177
    First Community Bank 704 Independence Boulevard Mount Airy, NC 27030 Full Service B&M $34,758
    First Community Bank 902 North Side Drive Summersville, WV 26651 Full Service B&M $56,855
    First Community Bank 92 North Center Street Taylorsville, NC 28681 Full Service B&M $56,928
    First Community Bank Bank And Cedar Streets Pineville, WV 24874 Full Service B&M $60,074
    First Community Bank East Main And South Kanawha Streets Buckhannon, WV 26201 Limited, Drive-thru $0
    First Community Bank Ivanhoe And Fort Chiswell Roads Max Meadows, VA 24360 Full Service B&M $27,333
    First Community Bank Route 10 Cook Parkway Oceana, WV 24870 Full Service B&M $25,233
    First Community Bank Route 10 East Pineville, WV 24874 Limited, Drive-thru $0
    First Community Bank Route 20 And Williams River Road Glade View, WV 26206 Full Service B&M $21,231
    First Community Bank U.S. Route 219 North Lindside, WV 24951 Full Service B&M $17,538
    First Community Bank West Main Street Grafton, WV 26354 Full Service B&M $78,305
    First Community Bank White Avenue And Railroad Street Richwood, WV 26261 Limited, Drive-thru $0

    For 2018, First Community Bank had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $98,760
    Net interest income $91,311
    Total noninterest income $27,325
    Gross Fiduciary activities income $2,273
    Service charges on deposit accounts $14,733
    Trading account gains and fees $0
    Additional Noninterest Income $10,319
    Pre-tax net operating income $47,726
    Securities gains (or losses, -) $-618
    Income before extraordinary items $37,731
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,731
    Minority interest net income $0
    Net income $37,731
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $38,225

    First Community Bank's gross interest income from loans was $98,760,000.
    First Community Bank's net interest income from loans was $91,311,000.
    First Community Bank's fee based income from loans was $14,733,000.
    First Community Bank's net income from loans was $37,731,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,449
    Provision for credit losses $2,393
    Total noninterest expense $68,517
    Salaries and employee benefits $36,135
    Premises and equipment expense $8,500
    Additional noninterest expense $23,882
    Applicable income taxes $9,377
    Net charge-offs $3,402
    Cash dividends $48,000

    First Community Bank's interest expense for loans was $7,449,000.
    First Community Bank's payroll and benefits expense were $36,135,000.
    First Community Bank's property, plant and equipment expenses $8,500,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,869,476
    Deposits held in domestic offices $1,869,476
    Deposits by Individuals, partnerships, and corporations $1,741,046
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $127,749
    Deposits by Commercial banks and other depository institutions in U.S. $680
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $451,646
    Demand deposits $287,603
    Nontransaction accounts $1,417,831
    Money market deposit accounts (MMDAs) $626,835
    Other savings deposits (excluding MMDAs) $345,335
    Total time deposits $445,661
    Total time and savings deposits $1,581,874
    Noninterest-bearing deposits $473,276
    Interest-bearing deposits $1,396,200
    Retail deposits $1,825,424
    IRAs and Keogh plan accounts $114,904
    Brokered deposits $212
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,236,658
    Cash & Balances due from depository institutions $41,417
    Interest-bearing balances $3,670
    Total securities $178,129
    Federal funds sold & reverse repurchase $35,457
    Net loans and leases $1,756,633
    Loan and leases loss allowance $18,267
    Trading account assets $0
    Bank premises and fixed assets $44,674
    Other real estate owned $3,838
    Goodwill and other intangibles $97,770
    All other assets $78,740

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,236,658
    Total Liabilities $1,924,921
    Total deposits $1,869,476
    Interest-bearing deposits $1,396,200
    Deposits held in domestic offices $1,869,476
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $29,371
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $26,074

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,756,633
    Loan and leases loss allowance $18,267
    Total loans and leases (domestic) $1,774,900
    All real estate loans $1,565,692
    Real estate loans in domestic offices $1,565,692
    Construction and development loans $81,714
    Residential 1-4 family construction $18,171
    Other construction, all land development and other land $63,543
    Loans secured by nonfarm nonresidential properties $594,761
    Nonfarm nonresidential secured by owner-occupied properties $263,370
    Commercial real estate & other non-farm, non-residential $331,391
    Multifamily residential real estate $107,012
    1-4 family residential loans $763,300
    Farmland loans $18,905
    Loans held in foreign offices $0
    Farm loans $8,545
    Commercial and industrial loans $101,955
    To non-U.S. addressees $0
    Loans to individuals $71,552
    Credit card loans $5,109
    Related Plans $3,365
    Consumer Auto Loans $22,697
    Other loans to individuals $40,381
    All other loans & leases $27,156
    Loans to foreign governments and official institutions $0
    Other loans $5,310
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,427
    Non 1-4 family restructured loans & leases $574
    Total loans and leases (foreign) $0

    First Community Bank had $1,756,633,000 of loans outstanding in 2018. $1,565,692,000 of loans were in real estate loans. $81,714,000 of loans were in development loans. $107,012,000 of loans were in multifamily mortgage loans. $763,300,000 of loans were in 1-4 family mortgage loans. $8,545,000 of loans were in farm loans. $5,109,000 of loans were in credit card loans. $22,697,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,046 $210,976 $201,698
    Nonfarm, nonresidential loans - <$100k 254 $10,902 $42,921
    Nonfarm, nonresidential loans - $100-250k 349 $41,716 $119,530
    Nonfarm, nonresidential loans - $250k-1MM 443 $158,358 $357,467
    Commercial & Industrial, US addressed loans - <$1MM 1,047 $65,951 $62,990
    Commercial & Industrial, US addressed loans - <$100k 740 $17,495 $23,642
    Commercial & Industrial, US addressed loans - $100-250k 197 $20,156 $102,315
    Commercial & Industrial, US addressed loans - $250k-1MM 110 $28,300 $257,273
    Farmland loans - <$1MM 165 $11,407 $69,133
    Farmland loans - <$100k 96 $2,847 $29,656
    Farmland loans - $100-250k 54 $5,854 $108,407
    Farmland loans - $250k-1MM 15 $2,706 $180,400
    Agriculture operations loans - <$1MM 142 $6,915 $48,697
    Agriculture operations loans - <$100k 110 $2,495 $22,682
    Agriculture operations loans - $100-250k 24 $2,028 $84,500
    Agriculture operations loans - $250k-1MM 8 $2,392 $299,000