secwatch.observer — SEC 8-K summary
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Issuer:     FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC)
CIK:        0000859070
Form:       8-K
Filed at:   2025-04-22T23:59:59+00:00
Accession:  0001437749-25-012693
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

First Community Bankshares Q1 EPS $0.64, NIM 4.34%; declares $0.31 dividend
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- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/0001437749-25-012693-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/fcbc20250310_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-012693

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer