What is First Community Bank's financial health grade?

First Community Bank has a TFS Financial Health Grade of A (score: 89.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Community Bank have?

First Community Bank has 69 branch locations across the United States.

Is First Community Bank FDIC insured?

Yes, First Community Bank is FDIC insured (Certificate #13012).

What are the total assets of First Community Bank?

First Community Bank has total assets of $3.6B as reported in its most recent FDIC filing.

First Community Bank: TFS Grade & Financial Health

BankBluefield, Virginia

www.firstcommunitybank.com

Compare First Community BankCD withdrawal tools

Total Assets

$3.6B

Total Deposits

$3.0B

Branches

Established

1920

First Community Bank is a bank headquartered in Bluefield, Virginia, established in 1920. It holds $3.6B in total assets across 69 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Community Bank earns a TFS Financial Health Grade of A (89.9/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

89.9 / 100

Excellent financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

10.23%(8%)

Total Capital Ratio

16.58%(10%)

Non-Performing Loan Ratio

0.69%

Profitability

Return on Assets (ROA)

2.05%(1%)

Return on Equity (ROE)

14.59%(10%)

Net Interest Margin

4.44%

Efficiency Ratio

52.56%(60%)

Lending & Liquidity

Total Loans

$2.5B

Loan-to-Deposit Ratio

79.86%

Net Charge-Off Ratio

Other banks in Virginia

Capital One, National Association

Bank

Mclean, VA

$662.2B

NAVY FEDERAL CREDIT UNION

VIENNA, VA

$203.6B

HSBC Bank USA, National Association

Bank

Tysons, VA

$173.1B

C+

Atlantic Union Bank

Bank

Branch	Address	City	State	Type
First Community BankHQ	29 College Dr	Bluefield	VA	11
First Community Bank	115 Main St E	Banner Elk	NC	11
First Community Bank	1013 Highway 105	Boone	NC	11
First Community Bank	393 Cc Camp Rd	Elkin	NC	11
First Community Bank	704 W Independence Blvd	Mount Airy	NC	11
First Community Bank	1280 W Pine St	Mount Airy	NC	23
First Community Bank	145 N Renfro St	Mount Airy	NC	11
First Community Bank	2050 Rockford St	Mount Airy	NC	11
First Community Bank	1096 Main St	North Wilkesboro	NC	11
First Community Bank	653 S Key St	Pilot Mountain	NC	11
First Community Bank	125 N Main St	Sparta	NC	11
First Community Bank	92 N Center St	Taylorsville	NC	11
First Community Bank	29 S Kerr Ave	Wilmington	NC	21
First Community Bank	300 Sunset Dr	Johnson City	TN	11
First Community Bank	2681 Boones Creek Rd	Johnson City	TN	11
First Community Bank	24412 Maringo Rd	Abingdon	VA	11
First Community Bank	271 W Main St	Abingdon	VA	11
First Community Bank	1900 S Main St	Blacksburg	VA	11
First Community Bank	101 Sanders Lane	Bluefield	VA	11
First Community Bank	865 Commonwealth Ave	Bristol	VA	11
First Community Bank	1465 Old Airport Rd	Bristol	VA	11
First Community Bank	6951 Commons Plz	Chesterfield	VA	11
First Community Bank	109 Roanoke St	Christiansburg	VA	11
First Community Bank	320 Chase Street	Clintwood	VA	11
First Community Bank	141 East Jackson St	Gate City	VA	11
First Community Bank	173 Water St E	Gate City	VA	23
First Community Bank	506 Maple St	Glade Spring	VA	11
First Community Bank	148 N Main St	Hillsville	VA	11
First Community Bank	1425 N Main St	Marion	VA	11
First Community Bank	145 Ivanhoe Road	Max Meadows	VA	11
First Community Bank	14441 Sommerville Ct	Midlothian	VA	11
First Community Bank	3377 East Riverside Drive	North Tazewell	VA	11
First Community Bank	1001 Bob White Blvd	Pulaski	VA	11
First Community Bank	1400 Tyler Ave	Radford	VA	11
First Community Bank	302 Washington Sq	Richlands	VA	11
First Community Bank	11400 Midlothian Tunrpike	Richmond	VA	11
First Community Bank	2702 N Parham Rd	Richmond	VA	11
First Community Bank	940 Woodland Dr	Stuart	VA	11
First Community Bank	150 Virginia Ave	Wytheville	VA	11
First Community Bank	210 E Main St	Wytheville	VA	11
First Community Bank	101 Vermillion St	Athens	WV	11
First Community Bank	111 Citizens Dr	Beckley	WV	11
First Community Bank	211 Federal St	Bluefield	WV	11
First Community Bank	4206 Coal Heritage Rd	Bluefield	WV	11
First Community Bank	211 Federal St	Bluefield	WV	23
First Community Bank	2 W Main St	Buckhannon	WV	11
First Community Bank	2 W Main St	Buckhannon	WV	23
First Community Bank	6299 Webster Road	Cowen	WV	11
First Community Bank	16 Red Oak Avenue	Craigsville	WV	11
First Community Bank	1220 Ritter Dr	Daniels	WV	11

Showing 50 of 69 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #13012

Primary RegulatorFED

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

First Community Bank compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

89.9

better than peers

92nd percentileMedian 79.3

Tier 1 capital ratio

10.23%

Near peers

46th percentileMedian 10.42%

Return on assets

2.05%

better than peers

93rd percentileMedian 1.26%

Non-performing loans

0.69%

worse than peers

43rd percentileMedian 0.61%

Efficiency ratio

52.56%

better than peers

72nd percentileMedian 57.61%

Asset growth (YoY)

14.01%

better than peers

85th percentileMedian 6.18%

Suggested direct comparisons

Closest useful peers

View VA rankings

A-

Same state

The First Bank and Trust Company

Lebanon, VA

$4.3B

C-

Same state

Primis Bank

Tappahannock, VA

$4.3B

B+

Same state

Citizens and Farmers Bank

West Point, VA

First Community Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Virginia

Capital One, National Association

NAVY FEDERAL CREDIT UNION

HSBC Bank USA, National Association

Atlantic Union Bank

Growth

Institution Details

First Community Bank compared with similar banks

Closest useful peers

United Bank

PENTAGON