<span item_type="fundamental" item_id="dfa5f1ecbd09bcd5e31aa8b5f4132d76" counter_id="ST/US/FCBC" env="prod"></span><span item_type="announcement" item_id="576628539859409409" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 46.59 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.67, beating the estimate of USD 0.63.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -15.39 M.</p><p></p><h3>Dividend Announcement</h3><ul><li>First Community Bankshares, Inc. announced a quarterly cash dividend of $0.31 per common share, payable on or about November 28, 2025, to shareholders of record on November 14, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/fcbc20250802_8k.htm"></span></li></ul><h3>Net Income</h3><ul><li>Net income for the third quarter of 2025 was $12.27 million, a decrease of $768 thousand or 5.89% from the same quarter of 2024. For the first nine months of 2025, net income was $36.33 million, a decrease of $2.24 million or 5.80% from the same period of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Net Interest Income</h3><ul><li>Net interest income after provision for loan losses increased by $1.06 million or 3.52% compared to the same quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Noninterest Income and Expense</h3><ul><li>Noninterest income increased by approximately $437 thousand or 4.18% compared to the same quarter of 2024, driven by an increase in service charges on deposits and wealth management fees, despite a decrease in other operating income.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li><li>Noninterest expense increased by $2.10 million or 8.69% compared to the same period of 2024, primarily due to increases in salaries and benefits, service fees, and merger expenses related to the forthcoming merger with Hometown Bank.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Return on Assets and Equity</h3><ul><li>Annualized return on average assets (ROA) for the third quarter of 2025 was 1.53%, compared to 1.60% for the same period of 2024. Return on average common equity (ROE) was 9.58% for the third quarter of 2025, compared to 10.04% for the same period of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Balance Sheet Highlights</h3><ul><li>Consolidated assets totaled $3.19 billion as of September 30, 2025. Loan balances decreased by $84.78 million or 3.51% from December 31, 2024. Deposits decreased by $60.65 million or 2.25%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>Total non-performing assets as of September 30, 2025, were $16.90 million, compared to $20.54 million as of December 31, 2024. Non-performing loans to total loans decreased to 0.71%, a 0.11% reduction compared to the same quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company anticipates completing its merger with Hometown Bank by January 2026. The report includes forward-looking statements that are subject to risks and uncertainties, which could cause actual results to differ materially from expectations.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/fcbc20250802_8k.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/ex_847336.htm"></span></li></ul>

First Community Bancshare | 8-K: FY2025 Q3 Revenue: USD 46.59 M