{"schema_version":"secwatch.filing_event.v1","accession":"0001552781-25-000012","form_type":"8-K","ticker":"FCCO","cik":"0000932781","company_name":"FIRST COMMUNITY CORP /SC/","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.861490+00:00","generated_at":"2026-05-27T21:42:27.473436+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"First Community Corp Q4 EPS $0.55 (+28% YoY); deposits up 10.9%, wholesale debt cut 92%","bullets":["Net income Q4 $4.232M ($0.55 diluted EPS) vs $3.297M ($0.43) in Q4 2023; FY2024 net income $13.955M ($1.81 EPS) vs $11.843M ($1.55).","Total loans grew $86.5M (7.6%) in 2024; total deposits up $164.9M (10.9%). Wholesale funding cut from $138.1M to $10.4M.","Net interest margin expanded to 3.00% in Q4 from 2.96% in Q3; December NIM 3.05%. Interest rate swap contributed 14 bps to loan yield.","Credit quality remains excellent: NPAs 0.04% of assets, net charge-offs only $65k for full year 2024.","Dividend $0.15/sh declared; 92nd consecutive quarterly dividend. Share repurchase plan of up to $7.1M remains active."],"urls":{"canonical":"https://secwatch.observer/filing/0001552781-25-000012","json":"https://secwatch.observer/filing/0001552781-25-000012.json","markdown":"https://secwatch.observer/filing/0001552781-25-000012.md","text":"https://secwatch.observer/filing/0001552781-25-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/932781/000155278125000012/0001552781-25-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/932781/000155278125000012/e25018_fcco-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:42:27.473436+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}