First Community Corp Q1 2025: EPS $0.51, NIM 3.13%, loan growth 10.4% annualized, $0.15 dividend

FIRST COMMUNITY CORP /SC/

2025-Q1 EPS reported $0.51 revenue$221,000

Net income $3.997M, diluted EPS $0.51, vs $2.597M and $0.34 in Q1 2024; linked quarter EPS $0.55.
Total loans grew $31.4M to $1.252B (10.4% annualized); deposits grew $49.8M to $1.726B (12.1% annualized).
Net interest margin (tax-equivalent) expanded 13 bps to 3.13% from 2.79% YoY; cost of funds decreased 11 bps to 1.94%.
Asset quality excellent: NPAs 0.03% of assets, past due loans 0.14%; net recoveries $11k.
Cash dividend $0.15 per share declared, payable May 20, 2025 to holders of record May 6, 2025 (93rd consecutive quarter).

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