secwatch.observer — SEC 8-K summary
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Issuer:     FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC)
CIK:        0000859070
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001437749-25-031996
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 Q3 net income down 5.9% to $0.67 EPS; adjusted net income up 4%
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/0001437749-25-031996-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/fcbc20250802_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-031996

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