---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-25-000150"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2025-04-23T23:59:59+00:00"
generated_at: "2026-05-23T08:50:40.055428+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001552781-25-000150
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2025-04-23T23:59:59+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/932781/000155278125000150/0001552781-25-000150-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278125000150/e25180_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-25-000150
- JSON: https://secwatch.observer/filing/0001552781-25-000150.json
- Plain text: https://secwatch.observer/filing/0001552781-25-000150.txt

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