---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-031774"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T12:12:01.929592+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Community Bankshares Q3 net income $13.03M ($0.71 EPS), down 11% YoY; declares $0.31 dividend

## Summary
- Net income $13.03M ($0.71 diluted EPS) for Q3 2024, vs $14.64M ($0.79) a year ago, down 10.98%.
- Net interest margin 4.41%, down 10 bps YoY; net interest income fell $1.75M on higher deposit costs.
- Noninterest income up 8.63% to ~$10.44M, including $825K gain on sale of two closed branches.
- Non-performing loans to total loans rose to 0.82%; net charge-offs were $1.13M (0.18% annualized).
- Quarterly cash dividend $0.31/share, payable Nov 22, record Nov 8; 39th consecutive year.

## SEC filing metadata
- accession: 0001437749-24-031774
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/859070/000143774924031774/0001437749-24-031774-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774924031774/fcbc20240827_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031774
- JSON: https://secwatch.observer/filing/0001437749-24-031774.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031774.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.