---
schema_version: "secwatch.filing_event.v1"
accession: "0001552781-26-000028"
form_type: "8-K"
ticker: "FCCO"
cik: "0000932781"
company_name: "FIRST COMMUNITY CORP /SC/"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:21:13.749959+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Community Q4 net income $4.83M, FY net income up 37.6% to $19.2M; dividend $0.16/share

## Summary
- FY 2025 net income $19.205M ($2.47 diluted EPS) vs $13.955M ($1.81) in 2024, up 37.6% and 36.5% respectively.
- Q4 2025 net income $4.830M ($0.62 EPS); adjusted $5.357M ($0.69 EPS) excluding merger expenses.
- Net interest margin expanded 5 bps to 3.32% in Q4, seventh consecutive quarter of expansion.
- Total loans grew $90.5M (7.4%) in FY 2025; deposits up $73.6M (4.4%); record AUM of $1.170B.
- Cash dividend $0.16/share payable Feb 24, 2026; acquisition of Signature Bank of Georgia closed Jan 8, 2026.

## SEC filing metadata
- accession: 0001552781-26-000028
- form_type: 8-K
- ticker: FCCO
- cik: 0000932781
- company_name: FIRST COMMUNITY CORP /SC/
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/932781/000155278126000028/0001552781-26-000028-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/932781/000155278126000028/e26036_fcco-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552781-26-000028
- JSON: https://secwatch.observer/filing/0001552781-26-000028.json
- Plain text: https://secwatch.observer/filing/0001552781-26-000028.txt

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