---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-25-000220"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2025-07-14T23:59:59+00:00"
generated_at: "2026-05-18T06:50:42.623769+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Community to acquire Signature Bank of Georgia in $41.6M stock deal, expanding into Atlanta MSA

## Summary
- Total transaction value ~$41.6M based on FCCO closing price of $24.84; each SGBG share exchanged for 0.6410 FCCO shares.
- Pro forma combined company: ~$2.3B assets, $2.0B deposits, $1.5B loans, 23 offices across SC and GA.
- Expected to be accretive to FCCO EPS by ~4.4% in 2026; TCE/TA ratio improves ~35bps to 7.45%.
- Tangible book value dilution ~2.6% with ~2.2 year earnback; estimated IRR of ~27.6%.
- Closing anticipated early Q1 2026; subject to regulatory and shareholder approvals; unanimous board approval.

## SEC filing metadata
- accession: 0001552781-25-000220
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2025-07-14T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/932781/000155278125000220/0001552781-25-000220-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278125000220/e25257_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-25-000220
- JSON: https://secwatch.observer/filing/0001552781-25-000220.json
- Plain text: https://secwatch.observer/filing/0001552781-25-000220.txt

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