---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-002202"
form_type: "8-K"
ticker: "FCBC"
cik: "0000859070"
company_name: "FIRST COMMUNITY BANKSHARES INC /VA/"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:44:57.901329+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FCBC Q4 net income $12.46M ($0.68 EPS); completes Hometown Bancshares acquisition

## Summary
- Net income $12.46M ($0.68 diluted EPS) for Q4 2025, down 4.4% YoY; adjusted net income $14.16M, up 8.6%.
- Full-year 2025 net income $48.79M ($2.65 EPS); ROA 1.52%, ROE 9.64%.
- Quarterly dividend $0.31/share declared, payable Feb 27 to holders of record Feb 13; two special dividends totaling $3.07/share in 2025.
- Acquired Hometown Bancshares (Union Bank) on Jan 23, 2026; Hometown had $415M assets, $172M loans, $376M deposits.
- Net interest margin 4.53%, up 17 bps YoY; non-performing assets declined to $14.15M from $20.54M.

## SEC filing metadata
- accession: 0001437749-26-002202
- form_type: 8-K
- ticker: FCBC
- cik: 0000859070
- company_name: FIRST COMMUNITY BANKSHARES INC /VA/
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/859070/000143774926002202/0001437749-26-002202-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/859070/000143774926002202/fcbc20251117_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002202
- JSON: https://secwatch.observer/filing/0001437749-26-002202.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002202.txt

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