---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-22-000588"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2022-10-19T23:59:59+00:00"
generated_at: "2026-06-23T02:50:49.376045+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Community Q3 net income $3.95M, EPS $0.52; loans up $33.9M, NIM expands to 3.29%

## Summary
- Net income $3.951M, diluted EPS $0.52 vs $0.41 Q2; YTD net income $10.570M, EPS $1.39.
- Cash dividend $0.13 per share declared, payable Nov 15 to holders of record Nov 1; 83rd consecutive quarterly dividend.
- Total loans grew $33.9M in Q3 (14.7% annualized); YTD loan growth $86.5M (13.4% annualized).
- Net interest margin (tax-equivalent) rose to 3.29% from 2.93% Q2; cost of deposits flat at 0.09%.
- Mortgage banking revenue declined to $290K from $481K Q2; investment advisory revenue $1.053M, AUM $529.5M.

## SEC filing metadata
- accession: 0001552781-22-000588
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2022-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/932781/000155278122000588/0001552781-22-000588-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278122000588/e22458_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-22-000588
- JSON: https://secwatch.observer/filing/0001552781-22-000588.json
- Plain text: https://secwatch.observer/filing/0001552781-22-000588.txt

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