---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-002031"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:50:14.487197+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Community Bankshares Q4 net income $13.04M ($0.71 EPS); declares $2.07 special dividend

## Summary
- Q4 net income $13.04M ($0.71 diluted EPS), FY $51.60M ($2.80 EPS), up 10.65% and 7.46% YoY respectively.
- Net interest margin 4.36% (down 6 bps YoY); noninterest expense down $2.67M due to no repeat of $3M litigation charge.
- Quarterly cash dividend $0.31/share (40th consecutive year); special cash dividend $2.07/share (~$37.92M total) payable Feb 28, 2025.
- Loans decreased 6.07% YoY, deposits down 1.14%; non-performing loans to total loans 0.83% (up from Q4 2023).
- Book value per share $28.73, up $1.53 from year-end 2023; ROTCE 14.12% for Q4, ROA 1.60%.

## SEC filing metadata
- accession: 0001437749-25-002031
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/859070/000143774925002031/0001437749-25-002031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774925002031/fcbc20241231_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-002031
- JSON: https://secwatch.observer/filing/0001437749-25-002031.json
- Plain text: https://secwatch.observer/filing/0001437749-25-002031.txt

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