---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-23-000417"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2023-11-01T23:59:59+00:00"
generated_at: "2026-06-09T03:56:11.491840+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Community Corp (FCCO) reports 3Q23 core EPS $1.24 YTD; loan growth 22.9% annualized

## Summary
- 3Q23 annualized loan growth of 22.9% ($59.5M); YTD core EPS $1.24 vs $1.39 prior year.
- NIM contraction decelerated to 6 bps in 3Q; entered $150M notional interest rate swap.
- Total deposit cost rose to 1.28% (cumulative cycle beta 26.7%); uninsured deposits 28.8%.
- Non-interest expense +$518K linked quarter; elevated mail check fraud losses of $230K.

## SEC filing metadata
- accession: 0001552781-23-000417
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2023-11-01T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/932781/000155278123000417/0001552781-23-000417-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278123000417/e23433_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-23-000417
- JSON: https://secwatch.observer/filing/0001552781-23-000417.json
- Plain text: https://secwatch.observer/filing/0001552781-23-000417.txt

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