🏦Bank Scorer

FIRST COMMUNITY BANK

LEXINGTON, SC · Supervised by FDIC

Est. 1995FDIC #34,047RSSD: FDIC-34047
Part ofFIRST COMMUNITY CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

5455 Sunset Blvd, LEXINGTON, SC

County

Lexington County

Established

August 17, 1995

Total Assets

$2.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$2.1B

Net Loans

$1.5B

Net Income

$6M

ROA

1.09%

ROE

12.01%

Risk-Based Capital

13.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.53%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,22373.94%8.53%
20233,42972.82%10.59%
20224,85575.47%10.15%
20216,22576.8%9.93%
20206,34674.13%11.14%
20193,57672.99%13.28%
20183,37770.36%14.24%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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