---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-023215"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:49:12.868255+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Community Q2 net income $12.25M ($0.67 EPS); declares $0.31 dividend, 40th consecutive year

## Summary
- Net income of $12.25M, down 3.47% YoY; diluted EPS $0.67; six-month net income $24.06M ($1.31 EPS).
- Dividend of $0.31/share declared, payable Aug 22, 2025 to holders of record Aug 8, 2025.
- Net interest margin 4.37%; recovery of credit loss provision of $285K vs provision of $144K in Q2 2024.
- Repurchased 50,338 shares for $1.85M in Q2 2025; book value per share $27.46, down $1.27 from year-end.
- Non-performing loans stable at 0.79% of loans; net charge-offs improved to 0.08% annualized from 0.16% YoY.

## SEC filing metadata
- accession: 0001437749-25-023215
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2025-07-22T23:59:59+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/859070/000143774925023215/0001437749-25-023215-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774925023215/fcbc20250519_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023215
- JSON: https://secwatch.observer/filing/0001437749-25-023215.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023215.txt

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