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 Refi loans. First Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Blacksburg, Bluefield, Richmond, Beckley, and Hickory among others. We have data for 41 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% 12/16/24
30 Year Conventional Refi 5.90% 12/16/24
30 Year VA Purchase 6.27% 12/16/24
30 Year USDA Purchase 6.27% 12/16/24
15 Year Conventional Purchase 6.17% 12/16/24
15 Year Conventional Refi 5.83% 12/16/24
15 Year Cash-out Refi 5.83% 12/16/24
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

1,547

Origination Dollar Volume (All Markets)

$352,925,000

Employee count

607 Show all (7) awards

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 445 $76,055,000 $170,910 $3,384 3.32%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 116 $58,480,000 $504,138 $4,166 3.06%
Bluefield, WV-VA (FHA|USDA|VA) 334 $52,630,000 $157,575 $3,136 3.32%
RICHMOND, VA (FHA|USDA|VA) 70 $31,870,000 $455,286 $4,918 3.49%
BECKLEY, WV (FHA|USDA|VA) 136 $24,080,000 $177,059 $3,166 3.21%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 57 $14,425,000 $253,070 $4,506 3.15%
ROANOKE, VA (FHA|USDA|VA) 24 $14,270,000 $594,583 $4,636 3.11%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 94 $13,980,000 $148,723 $3,060 3.46%
JOHNSON CITY, TN (FHA|USDA|VA) 28 $12,250,000 $437,500 $3,621 3.18%
Boone, NC (FHA|USDA|VA) 38 $8,740,000 $230,000 $3,459 3.26%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $6,195,000 $1,239,000 $5,039 2.93%
Clarksburg, WV (FHA|USDA|VA) 35 $5,725,000 $163,571 $3,737 3.59%
STAUNTON, VA (FHA|USDA|VA) 1 $4,605,000 $4,605,000 $0 3.25%
North Wilkesboro, NC (FHA|USDA|VA) 27 $4,235,000 $156,852 $4,018 3.30%
WINSTON-SALEM, NC (FHA|USDA|VA) 34 $4,220,000 $124,118 $3,569 3.73%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 18 $3,810,000 $211,667 $4,151 3.54%
Mount Airy, NC (FHA|USDA|VA) 25 $3,495,000 $139,800 $3,243 3.35%
CHARLESTON, WV (FHA|USDA|VA) 9 $2,015,000 $223,889 $3,330 2.97%
MORGANTOWN, WV (FHA|USDA|VA) 7 $1,445,000 $206,429 $4,270 3.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $1,125,000 $375,000 $4,160 2.75%
Elkins, WV (FHA|USDA|VA) 6 $1,100,000 $183,333 $3,227 3.78%
Key West, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $10,898 2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $770,000 $385,000 $5,509 2.81%
PITTSBURGH, PA (FHA|USDA|VA) 2 $670,000 $335,000 $4,276 2.94%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $580,000 $290,000 $4,907 3.56%
MORRISTOWN, TN (FHA|USDA|VA) 2 $550,000 $275,000 $7,165 3.41%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $500,000 $250,000 $3,414 2.69%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $495,000 $495,000 $6,093 2.75%
LYNCHBURG, VA (FHA|USDA|VA) 2 $420,000 $210,000 $3,721 3.01%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $380,000 $190,000 $5,251 3.24%
Sevierville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $4,471 3.00%
Fairmont, WV (FHA|USDA|VA) 4 $340,000 $85,000 $2,338 4.06%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $335,000 $335,000 $4,108 2.75%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 5 $325,000 $65,000 $2,288 3.61%
WILMINGTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $4,139 2.75%
Greeneville, TN (FHA|USDA|VA) 2 $290,000 $145,000 $3,843 3.40%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $285,000 $285,000 $5,162 2.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $265,000 $265,000 $4,636 2.75%
Big Stone Gap, VA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
Danville, VA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.05%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.05%
First Community Bank's top markets include Blacksburg, Bluefield, Richmond, Beckley, and Hickory among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • West 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 1,547 $352,925,000 $228,135 $3,501 3.31%

    For 2021, First Community Bank's most frequently originated type of loan was Conventional, with 1,547 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 699 $160,135,000 $229,092 $4,008 3.43%
    Refi 695 $162,275,000 $233,489 $3,148 3.11%
    Cash Out Refi 81 $20,225,000 $249,691 $3,291 3.76%
    Home Improvement 45 $5,615,000 $124,778 $3,220 3.58%
    Other 27 $4,675,000 $173,148 $2,986 3.63%

    For 2021, First Community Bank's most frequently cited loan purpose was Home Purchase, with 699 originations. The 2nd most popular reason was Refi, with 695 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 511 $110,635,000 $216,507 $3,528 3.03%
    20 Year 445 $92,425,000 $207,697 $3,055 3.49%
    Other 219 $74,965,000 $342,306 $3,066 3.26%
    15 Year 219 $31,615,000 $144,361 $2,911 3.57%
    10 Year 67 $18,945,000 $282,761 $2,693 3.43%
    30+ year 59 $20,485,000 $347,203 $8,216 2.81%
    5 Year 24 $3,400,000 $141,667 $0 4.59%
    1 Year 2 $440,000 $220,000 $0 4.60%
    3 Year 1 $15,000 $15,000 $0 7.75%

    For 2021, First Community Bank's most frequently cited loan duration was 30 Year, with 511 originations. The 2nd most popular length was 20 Year, with 445 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 561 $77,255,000 $137,709
    $2k-3k 367 $97,765,000 $266,390
    $<1k 148 $13,940,000 $94,189
    $3k-4k 38 $15,480,000 $407,368
    $5k+ 17 $11,325,000 $666,176
    $4k-5k 14 $6,590,000 $470,714

    First Community Bank's average total fees were $3,528, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 561 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 627 $179,995,000 $287,073
    3-4% 505 $113,205,000 $224,168
    4-5% 263 $29,835,000 $113,441
    <2.5% 126 $28,610,000 $227,063
    6-7% 11 $795,000 $72,273
    7-8% 7 $235,000 $33,571
    Over 8% 4 $90,000 $22,500
    5-6% 4 $160,000 $40,000

    During 2021, First Community Bank's average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 627 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 590 $84,080,000 $142,508 $3,116 3.13%
    $100,000 or less 444 $28,740,000 $64,730 $2,222 3.98%
    $200k-400k 382 $104,040,000 $272,356 $4,208 2.89%
    $400k-600k 77 $35,725,000 $463,961 $6,244 2.95%
    $600k-1MM 28 $20,840,000 $744,286 $6,883 3.40%
    $1MM+ 26 $79,500,000 $3,057,692 $9,411 3.17%

    2021 saw First Community Bank place emphasis on $100k-200k loans with 590 originations, totaling $84,080,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 311 $44,695,000 $143,714 $3,173 3.15%
    $50k or less 294 $31,600,000 $107,483 $2,586 3.48%
    $100k-150k 231 $50,945,000 $220,541 $3,981 2.97%
    $75k-100k 227 $42,745,000 $188,304 $3,767 3.05%
    $150k-250k 141 $38,745,000 $274,787 $4,492 3.09%
    $250k+ 67 $27,995,000 $417,836 $5,740 3.20%

    First Community Bank lent most frequently to those with incomes in the $50k-75k range, with 311 originations. The second most popular income band? $50k or less, with 294 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 388 $72,380,000 $186,546 $3,443 3.00%
    30-36% 271 $53,685,000 $198,100 $3,561 3.08%
    <20% 140 $26,410,000 $188,643 $3,319 2.98%
    39% 54 $9,910,000 $183,519 $3,549 3.15%
    36% 53 $12,465,000 $235,189 $4,073 2.95%
    37% 50 $8,930,000 $178,600 $3,507 3.10%
    38% 46 $11,150,000 $242,391 $4,464 2.95%
    41% 34 $6,540,000 $192,353 $3,530 3.16%
    40% 30 $5,610,000 $187,000 $3,600 3.24%
    42% 30 $5,610,000 $187,000 $3,650 2.89%
    43% 9 $1,885,000 $209,444 $3,889 2.77%
    >60% 4 $640,000 $160,000 $2,584 4.91%
    46% 2 $380,000 $190,000 $3,340 2.94%
    50-60% 2 $480,000 $240,000 $4,012 3.00%
    49% 1 $125,000 $125,000 $2,851 3.50%
    45% 1 $105,000 $105,000 $1,931 2.65%

    First Community Bank lent most frequently to those with DTI ratios of 20-30%, with 388 originations. The next most common DTI ratio? 30-36%, with 271 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,247 $245,155,000 $196,596 $3,476 3.17%
    Not applicable 253 $96,245,000 $380,415 $0 4.02%
    Not provided 19 $5,145,000 $270,789 $4,862 3.11%
    Black 15 $2,665,000 $177,667 $3,694 3.20%
    Asian 7 $2,575,000 $367,857 $3,808 2.77%
    Other Asian 1 $495,000 $495,000 $5,816 2.50%
    American Indian 2 $330,000 $165,000 $3,184 2.76%
    Native Hawaiian or Islander 2 $200,000 $100,000 $3,273 3.40%
    Asian Indian 1 $115,000 $115,000 $2,928 3.03%

    Approval Rates

    Total approvals of all applications
    84.56%

    First Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.36%

    First Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $25,000 $25,000
    NA 1,546 $352,900,000 $228,266

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,547 $352,925,000 $228,135

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 84 $10,740,000 $127,857 $2,531 3.55%
    40-60% 228 $49,120,000 $215,439 $3,114 3.29%
    60-80% 494 $136,040,000 $275,385 $3,550 3.26%
    80-100% 723 $148,565,000 $205,484 $3,698 3.31%
    Over 100% 8 $7,740,000 $967,500 $5,003 3.45%
    Under 20% 9 $695,000 $77,222 $2,493 4.10%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 4 66.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Community Bank 1 Stafford Commons Princeton, WV 24740 Full Service B&M $240,610
    First Community Bank 100 Market Street Man, WV 25635 Full Service B&M $43,488
    First Community Bank 1001 Bob White Boulevard Pulaski, VA 24301 Full Service B&M $47,410
    First Community Bank 101 Brookfall Dairy Road Elkin, NC 28621 Full Service B&M $19,626
    First Community Bank 101 Sanders Lane Bluefield, VA 24605 Full Service B&M $51,456
    First Community Bank 101 Vermillion Street Athens, WV 24712 Full Service B&M $34,417
    First Community Bank 1013 Highway 105 Boone, NC 28607 Full Service B&M $41,226
    First Community Bank 109 Roanoke Street Christiansburg, VA 24073 Full Service B&M $20,835
    First Community Bank 1102 Oakvale Road Princeton, WV 24740 Full Service B&M $21,153
    First Community Bank 111 Citizens Drive Beckley, WV 25801 Full Service B&M $72,118
    First Community Bank 11400 Midlothian Tunrpike Richmond, VA 23235 Full Service B&M $31,348
    First Community Bank 115 Main Street East Banner Elk, NC 28604 Full Service B&M $37,373
    First Community Bank 1220 Ritter Drive Daniels, WV 25832 Full Service B&M $34,463
    First Community Bank 125 North Main Street Sparta, NC 28675 Full Service B&M $44,159
    First Community Bank 1400 Tyler Avenue Radford, VA 24141 Full Service B&M $41,440
    First Community Bank 141 East Jackson Street Gate City, VA 24251 Full Service B&M $28,140
    First Community Bank 1425 North Main Street Marion, VA 24354 Full Service B&M $41,167
    First Community Bank 14441 Sommerville Court Midlothian, VA 23113 Full Service B&M $24,342
    First Community Bank 148 North Main Street Hillsville, VA 24343 Full Service B&M $38,831
    First Community Bank 16 Red Oak Drive Craigsville, WV 26205 Full Service B&M $56,259
    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 $36,797
    First Community Bank 2 West Main Street Buckhannon, WV 26201 Full Service B&M $129,106
    First Community Bank 210 East Main Street Wytheville, VA 24382 Full Service B&M $88,242
    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 $129,557
    First Community Bank 24412 Maringo Drive Abingdon, VA 24210 Full Service B&M $39,050
    First Community Bank 2681 Boones Creek Road Johnson City, TN 37615 Full Service B&M $11,442
    First Community Bank 2702 North Parham Road Richmond, VA 23294 Full Service B&M $81,893
    First Community Bank 271 W Main St Abingdon, VA 24210 Full Service B&M $203,715
    First Community Bank 29 College Drive Bluefield, VA 24605 Full Service B&M $15,292
    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 $22,701
    First Community Bank 300 Sunset Drive Johnson City, TN 37604 Full Service B&M $64,247
    First Community Bank 302 Washington Square Richlands, VA 24641 Full Service B&M $26,670
    First Community Bank 320 Chase Street Clintwood, VA 24228 Full Service B&M $24,943
    First Community Bank 401 Halifax Street Emporia, VA 23847 Full Service B&M $65,825
    First Community Bank 4206 Coal Heritage Road Bluefield, WV 24701 Full Service B&M $51,426
    First Community Bank 506 Maple Street Glade Spring, VA 24340 Full Service B&M $37,309
    First Community Bank 5119 Mountain View Rd Hays, NC 28635 Full Service B&M $19,574
    First Community Bank 643 East Riverside Drive Tazewell, VA 24605 Full Service B&M $30,161
    First Community Bank 6951 Commons Plaza Chesterfield, VA 23832 Full Service B&M $61,414
    First Community Bank 704 Independence Boulevard Mount Airy, NC 27030 Full Service B&M $38,421
    First Community Bank 821 Commonwealth Avenue Bristol, VA 24201 Full Service B&M $62,060
    First Community Bank 902 North Side Drive Summersville, WV 26651 Full Service B&M $82,209
    First Community Bank 92 North Center Street Taylorsville, NC 28681 Full Service B&M $74,753
    First Community Bank 999 Old Airport Road Bristol, VA 24201 Full Service B&M $55,025
    First Community Bank Bank And Cedar Streets Pineville, WV 24874 Full Service B&M $59,881
    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 $35,624
    First Community Bank Route 10 Cook Parkway Oceana, WV 24870 Full Service B&M $31,031
    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 $25,094
    First Community Bank U.S. Route 219 North Lindside, WV 24951 Full Service B&M $21,299
    First Community Bank West Main Street Grafton, WV 26354 Full Service B&M $85,628
    First Community Bank White Avenue And Railroad Street Richwood, WV 26261 Limited, Drive-thru $0

    For 2021, First Community Bank had 56 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $105,872
    Net interest income $103,036
    Total noninterest income $36,580
    Gross Fiduciary activities income $2,579
    Service charges on deposit accounts $13,446
    Trading account gains and fees $0
    Additional Noninterest Income $20,555
    Pre-tax net operating income $67,605
    Securities gains (or losses, -) $0
    Income before extraordinary items $51,895
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $51,895
    Minority interest net income $0
    Net income $51,895
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $51,895

    First Community Bank's gross interest income from loans was $105,872,000.
    First Community Bank's net interest income from loans was $103,036,000.
    First Community Bank's fee based income from loans was $13,446,000.
    First Community Bank's net income from loans was $51,895,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,836
    Provision for credit losses $-8,471
    Total noninterest expense $80,482
    Salaries and employee benefits $43,990
    Premises and equipment expense $10,540
    Additional noninterest expense $25,952
    Applicable income taxes $15,710
    Net charge-offs $2,960
    Cash dividends $53,200

    First Community Bank's interest expense for loans was $2,836,000.
    First Community Bank's payroll and benefits expense were $43,990,000.
    First Community Bank's property, plant and equipment expenses $10,540,000.

    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 1.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,737,120
    Deposits held in domestic offices $2,737,120
    Deposits by Individuals, partnerships, and corporations $2,586,948
    Deposits by U.S. Government $23
    Deposits by States and political subdivisions in the U.S. $150,078
    Deposits by Commercial banks and other depository institutions in U.S. $70
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $833,940
    Demand deposits $529,336
    Nontransaction accounts $1,903,179
    Money market deposit accounts (MMDAs) $986,741
    Other savings deposits (excluding MMDAs) $561,576
    Total time deposits $354,863
    Total time and savings deposits $2,207,783
    Noninterest-bearing deposits $850,512
    Interest-bearing deposits $1,886,608
    Retail deposits $2,709,982
    IRAs and Keogh plan accounts $116,944
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,183,928
    Cash & Balances due from depository institutions $50,402
    Interest-bearing balances $1,675
    Total securities $66,373
    Federal funds sold & reverse repurchase $627,036
    Net loans and leases $2,137,711
    Loan and leases loss allowance $27,858
    Trading account assets $0
    Bank premises and fixed assets $52,283
    Other real estate owned $1,015
    Goodwill and other intangibles $135,188
    All other assets $113,920

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,183,928
    Total Liabilities $2,778,554
    Total deposits $2,737,120
    Interest-bearing deposits $1,886,608
    Deposits held in domestic offices $2,737,120
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $1,535
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $39,899

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,137,711
    Loan and leases loss allowance $27,858
    Total loans and leases (domestic) $2,165,569
    All real estate loans $1,870,832
    Real estate loans in domestic offices $1,870,832
    Construction and development loans $82,716
    Residential 1-4 family construction $16,910
    Other construction, all land development and other land $65,806
    Loans secured by nonfarm nonresidential properties $690,201
    Nonfarm nonresidential secured by owner-occupied properties $286,843
    Commercial real estate & other non-farm, non-residential $403,358
    Multifamily residential real estate $100,402
    1-4 family residential loans $982,500
    Farmland loans $15,013
    Loans held in foreign offices $0
    Farm loans $9,341
    Commercial and industrial loans $130,308
    To non-U.S. addressees $0
    Loans to individuals $129,794
    Credit card loans $5,566
    Related Plans $2,348
    Consumer Auto Loans $74,987
    Other loans to individuals $46,893
    All other loans & leases $25,295
    Loans to foreign governments and official institutions $0
    Other loans $4,668
    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 $8,652
    Non 1-4 family restructured loans & leases $2,730
    Total loans and leases (foreign) $0

    First Community Bank had $2,137,711,000 of loans outstanding in 2021. $1,870,832,000 of loans were in real estate loans. $82,716,000 of loans were in development loans. $100,402,000 of loans were in multifamily mortgage loans. $982,500,000 of loans were in 1-4 family mortgage loans. $9,341,000 of loans were in farm loans. $5,566,000 of loans were in credit card loans. $74,987,000 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 1,260 $275,787 $218,879
    Nonfarm, nonresidential loans - <$100k 297 $12,705 $42,778
    Nonfarm, nonresidential loans - $100-250k 418 $50,373 $120,510
    Nonfarm, nonresidential loans - $250k-1MM 545 $212,709 $390,292
    Commercial & Industrial, US addressed loans - <$1MM 1,513 $95,629 $63,205
    Commercial & Industrial, US addressed loans - <$100k 1,107 $27,048 $24,434
    Commercial & Industrial, US addressed loans - $100-250k 274 $28,223 $103,004
    Commercial & Industrial, US addressed loans - $250k-1MM 132 $40,358 $305,742
    Farmland loans - <$1MM 119 $9,400 $78,992
    Farmland loans - <$100k 58 $1,556 $26,828
    Farmland loans - $100-250k 46 $4,362 $94,826
    Farmland loans - $250k-1MM 15 $3,482 $232,133
    Agriculture operations loans - <$1MM 179 $7,683 $42,922
    Agriculture operations loans - <$100k 140 $3,088 $22,057
    Agriculture operations loans - $100-250k 27 $2,533 $93,815
    Agriculture operations loans - $250k-1MM 12 $2,062 $171,833