First Community Bank (SC) is headquartered in Lexington and is the 5th largest bank in the state of South Carolina. It is also the 698th largest bank in the nation. It was established in 1995 and as of December of 2019, it had grown to 242 employees at 22 locations. First Community Bank (SC) has an A+ health rating.
This bank used to be 2 branches before it was bought out by a slightly larger bank but is still the only branch in my city. I like it because the people at the branch actually recognize me and know me by name. Also there has been an instance where my dad thought my truck had been stolen and there was a mad dash to cancel checks as I usually keep a check book in my truck. They went the extra mile to take care of me and ensure we were safe.. Luckily my dad forgot where he parked it at the mall (was Christmas so I forgave him for that). When I refinanced my condo they were apple to process this very quickly for me with no hassle. They have no ATMs but they have varying levels of permissible ATM use. You keep a balance of at least $250 and they will refund the fees up to 10 times in a month. I have enough of a balance where I have unlimited fee refunds, access to a free safety deposit box, free checks, and free check mailing service to pay bills if I so choose. My checking account also has a small interest on it so I get a little bit back that way too. The few things I dont like is their web/mobile sites. They are not very user friendly at all and can be difficult to navigate. That and with just 1 branch they keep limited hours as in they have no hours on the weekend and if you cant make it by 1730 your flat out of luck.
|FDIC Certificate #||34047|
|Return on Assets - YTD||1.06%|
|Return on Equity - YTD||9.26%|
|Annual Interest Income||$42.6MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$1.17B$1.09B|
|Loans||Q4 2019vs Q4 2018||$741.6MM$715.4MM|
|Deposits||Q4 2019vs Q4 2018||$991.8MM$931.1MM|
|Equity Capital||Q4 2019vs Q4 2018||$131.6MM$122.0MM|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$6.6MM$6.3MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$2.3MM$2.5MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$1.4MM$1.5MM|
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