---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-22-000600"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2022-11-02T23:59:59+00:00"
generated_at: "2026-06-22T16:41:33.782227+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# FCCO Q3: Loan growth 14.7% annualized, NIM expands 36bps to 3.29%, deposit costs flat at 9bps

## Summary
- Loan growth $33.9M in Q3 (14.7% annualized); YTD growth $86.5M (13.4% annualized).
- Net interest margin expanded 36bps to 3.29% in Q3; deposit costs unchanged at 0.09%.
- Nonperforming assets of $5.9M (0.36% of assets); one $4.0M non-accrual mixed-use CRE at 76% LTV.
- Core EPS $1.76 YTD through Q3 2022; tangible book value $13.03 ($17.43 ex AOCI).
- Mortgage production $17.4M in Q3 (vs $21.0M Q2); gain-on-sale margin 2.85%.

## SEC filing metadata
- accession: 0001552781-22-000600
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2022-11-02T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/932781/000155278122000600/0001552781-22-000600-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278122000600/e22472_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-22-000600
- JSON: https://secwatch.observer/filing/0001552781-22-000600.json
- Plain text: https://secwatch.observer/filing/0001552781-22-000600.txt

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