---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-012693"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:49:43.114713+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Community Bankshares Q1 EPS $0.64, NIM 4.34%; declares $0.31 dividend

## Summary
- Net income of $11.82M ($0.64 diluted EPS) for Q1 2025.
- Net interest margin 4.34%; ROA 1.49% (down from 1.60%); ROE 9.49% (down from 10.18%).
- Loans decreased $33.39M (1.38%) from Dec 31, 2024; deposits down $6.77M (0.25%).
- Declared Q2 cash dividend of $0.31/share, payable May 23, 2025; 40th consecutive year of regular dividends.
- NPL ratio 0.85% (up); net charge-offs $1.39M (0.24% annualized).

## SEC filing metadata
- accession: 0001437749-25-012693
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/0001437749-25-012693-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/fcbc20250310_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-012693
- JSON: https://secwatch.observer/filing/0001437749-25-012693.json
- Plain text: https://secwatch.observer/filing/0001437749-25-012693.txt

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