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, Blacksburg, Beckley, Richmond, 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

723

Origination Dollar Volume (All Markets)

$95,855,000

Employee count

527

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 247 $26,815,000 $108,563 $2,666 5.07%
Bluefield, WV-VA (FHA|USDA|VA) 196 $24,090,000 $122,908 $2,690 4.94%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 36 $7,980,000 $221,667 $4,343 4.65%
BECKLEY, WV (FHA|USDA|VA) 49 $6,145,000 $125,408 $3,214 4.90%
RICHMOND, VA (FHA|USDA|VA) 14 $3,910,000 $279,286 $4,298 4.77%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 30 $3,710,000 $123,667 $3,450 4.87%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 18 $2,500,000 $138,889 $2,965 5.04%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $1,930,000 $160,833 $3,802 5.21%
Clarksburg, WV (FHA|USDA|VA) 17 $1,845,000 $108,529 $3,197 5.58%
Mount Airy, NC (FHA|USDA|VA) 14 $1,700,000 $121,429 $3,488 5.02%
Key West, FL (FHA|USDA|VA) 2 $1,570,000 $785,000 $0 4.75%
JOHNSON CITY, TN (FHA|USDA|VA) 11 $1,395,000 $126,818 $2,941 5.50%
North Wilkesboro, NC (FHA|USDA|VA) 11 $1,205,000 $109,545 $2,839 4.70%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,190,000 $198,333 $2,833 4.94%
WINSTON-SALEM, NC (FHA|USDA|VA) 10 $1,060,000 $106,000 $2,186 5.61%
ROANOKE, VA (FHA|USDA|VA) 5 $1,025,000 $205,000 $2,932 4.60%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 9 $985,000 $109,444 $2,242 5.33%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $760,000 $190,000 $3,317 4.19%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $725,000 $725,000 $0 5.95%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $635,000 $211,667 $4,233 4.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $495,000 $495,000 $6,084 4.00%
CHARLESTON, WV (FHA|USDA|VA) 2 $460,000 $230,000 $4,041 3.94%
PITTSBURGH, PA (FHA|USDA|VA) 2 $460,000 $230,000 $5,402 5.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $445,000 $445,000 $6,199 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $400,000 $100,000 $0 5.70%
Boone, NC (FHA|USDA|VA) 2 $380,000 $190,000 $5,782 4.40%
Elkins, WV (FHA|USDA|VA) 2 $320,000 $160,000 $2,883 4.55%
LYNCHBURG, VA (FHA|USDA|VA) 2 $320,000 $160,000 $3,082 4.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
MORGANTOWN, WV (FHA|USDA|VA) 2 $240,000 $120,000 $2,909 5.00%
Fairmont, WV (FHA|USDA|VA) 1 $225,000 $225,000 $3,562 3.88%
Sevierville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,873 3.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,842 4.13%
Big Stone Gap, VA (FHA|USDA|VA) 3 $105,000 $35,000 $0 6.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $75,000 $75,000 $2,344 4.63%
Danville, VA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.00%
HARRISONBURG, VA (FHA|USDA|VA) 1 $15,000 $15,000 $302 7.13%
First Community Bank's top markets include Bluefield, Blacksburg, Beckley, Richmond, 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)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 723 $95,855,000 $132,580 $2,939 5.00%

    For 2019, First Community Bank's most frequently originated type of loan was Conventional, with 723 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 382 $57,130,000 $149,555 $3,405 4.90%
    Cash Out Refi 188 $22,220,000 $118,191 $2,536 4.86%
    Refi 100 $12,310,000 $123,100 $2,223 5.49%
    Home Improvement 33 $2,415,000 $73,182 $2,190 5.51%
    Other 20 $1,780,000 $89,000 $2,488 4.79%

    For 2019, First Community Bank's most frequently cited loan purpose was Home Purchase, with 382 originations. The 2nd most popular reason was Cash Out Refi, with 188 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 258 $30,150,000 $116,860 $2,586 5.03%
    30 Year 161 $29,485,000 $183,137 $3,092 4.32%
    15 Year 140 $11,180,000 $79,857 $2,232 5.36%
    Other 77 $14,465,000 $187,857 $3,877 5.22%
    10 Year 55 $4,195,000 $76,273 $2,220 5.42%
    30+ year 18 $4,220,000 $234,444 $6,535 4.27%
    5 Year 9 $1,725,000 $191,667 $620 6.18%
    3 Year 3 $215,000 $71,667 $725 8.03%
    1 Year 2 $220,000 $110,000 $2,815 6.03%

    For 2019, First Community Bank's most frequently cited loan duration was 20 Year, with 258 originations. The 2nd most popular length was 30 Year, with 161 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 234 $28,620,000 $122,308
    $<1k 145 $8,505,000 $58,655
    $2k-3k 104 $25,040,000 $240,769
    $3k-4k 8 $2,640,000 $330,000
    $4k-5k 4 $1,570,000 $392,500
    $5k+ 3 $1,455,000 $485,000

    First Community Bank's average total fees were $3,092, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 234 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 270 $40,570,000 $150,259
    5-6% 176 $17,690,000 $100,511
    3-4% 161 $29,815,000 $185,186
    6-7% 88 $6,350,000 $72,159
    7-8% 20 $1,090,000 $54,500
    Over 8% 8 $340,000 $42,500

    During 2019, First Community Bank's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 4-5%, with 270 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 363 $21,195,000 $58,388 $2,030 5.48%
    $100k-200k 237 $33,575,000 $141,667 $3,088 4.59%
    $200k-400k 97 $25,535,000 $263,247 $4,233 4.31%
    $400k-600k 17 $7,855,000 $462,059 $7,677 4.21%
    $600k-1MM 6 $4,020,000 $670,000 $6,788 5.30%
    $1MM+ 3 $3,675,000 $1,225,000 $0 4.62%

    2019 saw First Community Bank place emphasis on $100,000 or less loans with 363 originations, totaling $21,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 195 $15,255,000 $78,231 $2,235 5.24%
    $50k-75k 144 $15,220,000 $105,694 $2,653 4.84%
    $75k-100k 107 $16,045,000 $149,953 $3,400 4.65%
    $100k-150k 83 $14,405,000 $173,554 $3,661 4.57%
    $150k-250k 41 $8,625,000 $210,366 $4,941 4.63%
    $250k+ 22 $5,510,000 $250,455 $4,875 4.79%

    First Community Bank lent most frequently to those with incomes in the $50k or less range, with 195 originations. The second most popular income band? $50k-75k, with 144 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 159 $20,525,000 $129,088 $2,941 4.54%
    30-36% 126 $16,850,000 $133,730 $3,112 4.67%
    <20% 64 $8,040,000 $125,625 $2,774 4.82%
    40% 25 $4,245,000 $169,800 $3,364 4.28%
    37% 21 $4,005,000 $190,714 $3,667 4.53%
    39% 21 $2,975,000 $141,667 $2,942 4.64%
    38% 20 $2,640,000 $132,000 $2,594 5.04%
    36% 19 $1,785,000 $93,947 $2,642 4.80%
    41% 7 $1,125,000 $160,714 $3,593 4.27%
    50-60% 6 $580,000 $96,667 $1,907 5.81%
    42% 6 $1,150,000 $191,667 $3,673 4.19%
    43% 4 $640,000 $160,000 $4,312 4.25%
    >60% 3 $535,000 $178,333 $2,179 4.71%
    45% 2 $530,000 $265,000 $2,494 5.29%
    48% 1 $155,000 $155,000 $2,961 4.00%
    44% 1 $45,000 $45,000 $654 7.38%

    First Community Bank lent most frequently to those with DTI ratios of 20-30%, with 159 originations. The next most common DTI ratio? 30-36%, with 126 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 589 $74,355,000 $126,239 $2,939 4.88%
    Not applicable 112 $18,460,000 $164,821 $0 5.59%
    Not provided 11 $1,795,000 $163,182 $3,042 4.84%
    Asian 5 $655,000 $131,000 $2,941 4.54%
    Black 4 $450,000 $112,500 $2,449 6.09%
    Other Pacific Islander 1 $85,000 $85,000 $0 6.25%
    Asian Indian 1 $55,000 $55,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    79.23%

    First Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.71%

    First Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $25,000 $25,000
    350.0 1 $25,000 $25,000
    363.0 1 $25,000 $25,000
    584.45 1 $25,000 $25,000
    NA 719 $95,755,000 $133,178

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $1,605,000 $321,000
    Multifamily:Site-Built 14 $4,400,000 $314,286
    Single Family (1-4 Units):Manufactured 125 $9,545,000 $76,360
    Single Family (1-4 Units):Site-Built 579 $80,305,000 $138,696

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $3,005,000 $73,293 $1,738 5.77%
    40-60% 70 $8,120,000 $116,000 $2,485 4.86%
    60-80% 235 $27,625,000 $117,553 $2,838 5.06%
    80-100% 350 $51,690,000 $147,686 $3,218 4.82%
    Over 100% 8 $3,400,000 $425,000 $3,644 4.64%
    Under 20% 13 $735,000 $56,538 $1,036 6.22%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. VA mortgage Closing on a mortgage 1 50.0%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Community Bank 298 Stokes Dr Hinton, WV 25951 Full Service B&M $19,764
    First Community Bank 1 Stafford Commons Princeton, WV 24740 Full Service B&M $186,213
    First Community Bank 100 Market Street Man, WV 25635 Full Service B&M $41,030
    First Community Bank 1001 Bob White Boulevard Pulaski, VA 24301 Full Service B&M $43,474
    First Community Bank 101 Brookfall Dairy Road Elkin, NC 28621 Full Service B&M $14,374
    First Community Bank 101 Sanders Lane Bluefield, VA 24605 Full Service B&M $43,209
    First Community Bank 101 Vermillion Street Athens, WV 24712 Full Service B&M $24,410
    First Community Bank 109 Roanoke Street Christiansburg, VA 24073 Full Service B&M $12,558
    First Community Bank 1102 Oakvale Road Princeton, WV 24740 Full Service B&M $12,867
    First Community Bank 111 Citizens Drive Beckley, WV 25801 Full Service B&M $55,566
    First Community Bank 11400 Midlothian Tunrpike Richmond, VA 23235 Full Service B&M $21,688
    First Community Bank 1220 Ritter Drive Daniels, WV 25832 Full Service B&M $26,802
    First Community Bank 125 North Main Street Sparta, NC 28675 Full Service B&M $34,174
    First Community Bank 1400 Tyler Avenue Radford, VA 24141 Full Service B&M $34,201
    First Community Bank 1406 S. Colorado Street Salem, VA 24153 Full Service B&M $4,970
    First Community Bank 141 East Jackson Street Gate City, VA 24251 Full Service B&M $29,519
    First Community Bank 14441 Sommerville Court Midlothian, VA 23113 Full Service B&M $18,211
    First Community Bank 148 North Main Street Hillsville, VA 24343 Full Service B&M $39,794
    First Community Bank 16 Red Oak Drive Craigsville, WV 26205 Full Service B&M $22,794
    First Community Bank 16 West Main Street Richwood, WV 26261 Full Service B&M $36,321
    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 $29,168
    First Community Bank 2 West Main Street Buckhannon, WV 26201 Full Service B&M $108,202
    First Community Bank 210 East Main Street Wytheville, VA 24382 Full Service B&M $84,559
    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 $117,321
    First Community Bank 2681 Boones Creek Road Johnson City, TN 37615 Full Service B&M $13,416
    First Community Bank 2702 North Parham Road Richmond, VA 23294 Full Service B&M $75,262
    First Community Bank 271 W Main St Abingdon, VA 24210 Full Service B&M $53,645
    First Community Bank 29 College Drive Bluefield, VA 24605 Full Service B&M $14,278
    First Community Bank 29 South Kerr Avenue Wilmington, NC 28403 Limited, Administrative $0
    First Community Bank 300 Sunset Drive Johnson City, TN 37604 Full Service B&M $43,880
    First Community Bank 302 Washington Square Richlands, VA 24641 Full Service B&M $18,849
    First Community Bank 320 Chase Street Clintwood, VA 24228 Full Service B&M $16,616
    First Community Bank 401 Halifax Street Emporia, VA 23847 Full Service B&M $56,133
    First Community Bank 4206 Coal Heritage Road Bluefield, WV 24701 Full Service B&M $43,220
    First Community Bank 5119 Mountain View Rd Hays, NC 28635 Full Service B&M $15,700
    First Community Bank 643 East Riverside Drive Tazewell, VA 24605 Full Service B&M $22,858
    First Community Bank 6951 Commons Plaza Chesterfield, VA 23832 Full Service B&M $60,386
    First Community Bank 704 Independence Boulevard Mount Airy, NC 27030 Full Service B&M $32,988
    First Community Bank 902 North Side Drive Summersville, WV 26651 Full Service B&M $55,343
    First Community Bank 92 North Center Street Taylorsville, NC 28681 Full Service B&M $57,071
    First Community Bank Bank And Cedar Streets Pineville, WV 24874 Full Service B&M $58,062
    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 $26,720
    First Community Bank Route 10 Cook Parkway Oceana, WV 24870 Full Service B&M $25,856
    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 $19,997
    First Community Bank U.S. Route 219 North Lindside, WV 24951 Full Service B&M $17,232
    First Community Bank West Main Street Grafton, WV 26354 Full Service B&M $72,208
    First Community Bank White Avenue And Railroad Street Richwood, WV 26261 Limited, Drive-thru $0

    For 2019, First Community Bank had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $95,389
    Net interest income $89,874
    Total noninterest income $34,051
    Gross Fiduciary activities income $2,584
    Service charges on deposit accounts $14,594
    Trading account gains and fees $0
    Additional Noninterest Income $16,873
    Pre-tax net operating income $50,816
    Securities gains (or losses, -) $-43
    Income before extraordinary items $39,503
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,503
    Minority interest net income $0
    Net income $39,503
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $39,536

    First Community Bank's gross interest income from loans was $95,389,000.
    First Community Bank's net interest income from loans was $89,874,000.
    First Community Bank's fee based income from loans was $14,594,000.
    First Community Bank's net income from loans was $39,503,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,515
    Provision for credit losses $3,571
    Total noninterest expense $69,538
    Salaries and employee benefits $36,840
    Premises and equipment expense $8,708
    Additional noninterest expense $23,990
    Applicable income taxes $11,270
    Net charge-offs $3,413
    Cash dividends $38,500

    First Community Bank's interest expense for loans was $5,515,000.
    First Community Bank's payroll and benefits expense were $36,840,000.
    First Community Bank's property, plant and equipment expenses $8,708,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    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 $2,353,910
    Deposits held in domestic offices $2,353,910
    Deposits by Individuals, partnerships, and corporations $2,184,077
    Deposits by U.S. Government $560
    Deposits by States and political subdivisions in the U.S. $168,852
    Deposits by Commercial banks and other depository institutions in U.S. $421
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $692,002
    Demand deposits $305,495
    Nontransaction accounts $1,661,908
    Money market deposit accounts (MMDAs) $711,040
    Other savings deposits (excluding MMDAs) $435,133
    Total time deposits $515,736
    Total time and savings deposits $2,048,415
    Noninterest-bearing deposits $862,972
    Interest-bearing deposits $1,490,938
    Retail deposits $2,300,416
    IRAs and Keogh plan accounts $142,801
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,796,982
    Cash & Balances due from depository institutions $69,009
    Interest-bearing balances $15,144
    Total securities $169,574
    Federal funds sold & reverse repurchase $148,000
    Net loans and leases $2,096,114
    Loan and leases loss allowance $18,425
    Trading account assets $0
    Bank premises and fixed assets $62,826
    Other real estate owned $3,969
    Goodwill and other intangibles $138,084
    All other assets $109,406

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,796,982
    Total Liabilities $2,397,688
    Total deposits $2,353,910
    Interest-bearing deposits $1,490,938
    Deposits held in domestic offices $2,353,910
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $1,602
    Trading liabilities $0
    Other borrowed funds $40
    Subordinated debt $0
    All other liabilities $42,136

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,096,114
    Loan and leases loss allowance $18,425
    Total loans and leases (domestic) $2,114,539
    All real estate loans $1,827,451
    Real estate loans in domestic offices $1,827,451
    Construction and development loans $65,928
    Residential 1-4 family construction $17,241
    Other construction, all land development and other land $48,687
    Loans secured by nonfarm nonresidential properties $708,851
    Nonfarm nonresidential secured by owner-occupied properties $331,979
    Commercial real estate & other non-farm, non-residential $376,872
    Multifamily residential real estate $121,840
    1-4 family residential loans $907,677
    Farmland loans $23,155
    Loans held in foreign offices $0
    Farm loans $11,756
    Commercial and industrial loans $139,770
    To non-U.S. addressees $0
    Loans to individuals $110,027
    Credit card loans $6,374
    Related Plans $4,135
    Consumer Auto Loans $46,821
    Other loans to individuals $52,697
    All other loans & leases $26,164
    Loans to foreign governments and official institutions $0
    Other loans $4,742
    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 $6,575
    Non 1-4 family restructured loans & leases $560
    Total loans and leases (foreign) $0

    First Community Bank had $2,096,114,000 of loans outstanding in 2019. $1,827,451,000 of loans were in real estate loans. $65,928,000 of loans were in development loans. $121,840,000 of loans were in multifamily mortgage loans. $907,677,000 of loans were in 1-4 family mortgage loans. $11,756,000 of loans were in farm loans. $6,374,000 of loans were in credit card loans. $46,821,000 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 1,374 $275,492 $200,504
    Nonfarm, nonresidential loans - <$100k 359 $15,579 $43,396
    Nonfarm, nonresidential loans - $100-250k 461 $57,187 $124,050
    Nonfarm, nonresidential loans - $250k-1MM 554 $202,726 $365,931
    Commercial & Industrial, US addressed loans - <$1MM 1,874 $107,061 $57,130
    Commercial & Industrial, US addressed loans - <$100k 1,447 $31,189 $21,554
    Commercial & Industrial, US addressed loans - $100-250k 286 $32,022 $111,965
    Commercial & Industrial, US addressed loans - $250k-1MM 141 $43,850 $310,993
    Farmland loans - <$1MM 187 $15,241 $81,503
    Farmland loans - <$100k 93 $2,929 $31,495
    Farmland loans - $100-250k 74 $8,130 $109,865
    Farmland loans - $250k-1MM 20 $4,182 $209,100
    Agriculture operations loans - <$1MM 211 $9,376 $44,436
    Agriculture operations loans - <$100k 169 $3,392 $20,071
    Agriculture operations loans - $100-250k 28 $2,472 $88,286
    Agriculture operations loans - $250k-1MM 14 $3,512 $250,857