---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-031996"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T02:05:29.668632+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Community Bankshares Q3 net income down 5.9% to $0.67 EPS; adjusted net income up 4%

## Summary
- Net income of $12.27M ($0.67 diluted EPS) down 5.89% YoY; adjusted net income of $12.90M up 4% YoY.
- Net interest margin 4.43%, up 2 bps YoY; noninterest income rose 4.18% on higher service charges and wealth management fees.
- Noninterest expense up 8.69%, partly due to $787K merger costs for Hometown Bank merger (expected close Jan 2026).
- Non-performing assets fell to $16.90M from $20.54M at year-end 2024; loan-to-deposit ratio 89.38%.
- Quarterly dividend of $0.31/share declared, payable Nov 28 to holders of record Nov 14; 40th consecutive year of dividends.

## SEC filing metadata
- accession: 0001437749-25-031996
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2025-10-28T23:59:59+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/859070/000143774925031996/0001437749-25-031996-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/fcbc20250802_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031996
- JSON: https://secwatch.observer/filing/0001437749-25-031996.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031996.txt

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