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First Community Bankshares

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uuid002a5pp

Namestring
First Community Bankshares
Legal namestring
First Community Bankshares, Inc.
Websiteurl
ir.fcbresource.com
Company typeenum
Public
Founded yearint
1874
Descriptiontext

First Community Bankshares, Inc. (NASDAQ: FCBC) is a financial holding company headquartered in Bluefield, Virginia, with roots dating back to 1874. The corporation operates through its wholly-owned subsidiary, First Community Bank, which delivers a full array of consumer and commercial banking products and services — including deposit accounts, consumer and commercial loans, mortgages, and credit services — across 60 branch locations in northwestern North Carolina, eastern Tennessee, central and southwestern Virginia, and West Virginia. As of December 31, 2025, the company reported $3.26 billion in consolidated assets.

Complementing its core banking franchise, the company operates a Trust Division and First Community Wealth Management, Inc., which collectively managed or administered $1.79 billion in assets as of December 31, 2025, providing trust management, estate administration, and investment advisory services. The company serves individual consumers, small businesses, and commercial customers through a relationship-based, community-focused model emphasizing localized service through experienced management. Revenue mechanics follow traditional banking patterns: net interest income from the lending book, supplemented by fee-based income from fiduciary and investment advisory services.

Leadership is led by Chairman and Chief Executive Officer William P. Stafford, II, with Gary R. Mills serving as President of the Corporation and Chief Executive Officer of First Community Bank, and David D. Brown as Chief Financial Officer. In January 2026, the company completed the acquisition of Hometown Bancshares, Inc., extending its in-region footprint. The company has also demonstrated capital return discipline through regular quarterly dividends and a special dividend declared in December 2025.

Short descriptiontext

First Community Bankshares, Inc. is a NASDAQ-listed financial holding company headquartered in Bluefield, Virginia, operating 60 bank branches across four Appalachian states through First Community Bank and providing trust and wealth management services through affiliated subsidiaries to consumer, small business, and commercial customers.

Operating statusenum
Operating
Ownership categoryenum
akta.pro rankint
HeadquartersBluefield, United States
HQ citystring
Bluefield
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
community banking, consumer banking, commercial banking, wealth management, trust services
Industry1 code
1Small Business Banking (Microbusiness/Sole Proprietor)
CodeFSABAAAIPrimaryYes
NAICS code3 codes
  • Commercial Banking52211
  • Portfolio Management and Investment Advice523940
  • Depository Credit Intermediation5221
SIC code1 code
  • State Commercial Banks6022
Product category
Community Banking
Social media profiles1 record
Revenue model2 records
1Interest Income
TypeSubscription Recurring
Description

Traditional banking interest income from lending activities including consumer loans, commercial loans, and mortgages. The bank operates as a financial holding company providing consumer and commercial banking products and services.

ir.fcbresource.com
2Non-Interest Income
TypeProfessional Services
Description

Fee-based income from trust management, estate administration, and investment advisory services through the Trust Division and First Community Wealth Management subsidiary.

ir.fcbresource.com
Marketing channels1 record

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

First Community Bankshares operates as a financial holding company delivering consumer and commercial banking products and services (deposit accounts, consumer loans, commercial loans, mortgages, and credit services) through its wholly-owned subsidiary First Community Bank's 60-branch network in four states. It additionally provides trust management, estate administration, and investment advisory services through its Trust Division and First Community Wealth Management, Inc., which managed $1.79 billion in combined assets as of December 31, 2025.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

First Community Bankshares operates as a financial holding company with a single unified banking subsidiary (First Community Bank) and two complementary service divisions/modules: the Trust Division and First Community Wealth Management, Inc. The core product is the bank's consumer and commercial banking services, while the Trust Division and Wealth Management subsidiary provide ancillary fiduciary and investment advisory services. All entities operate under the First Community brand and share the same branch network and customer base.

Product and service3 records
1Consumer and Commercial Banking Services
CategoryCommunity Banking
2Trust Management and Estate Administration Services
CategoryTrust Services
3Investment Advisory Services
CategoryWealth Management
Scale indicator6 records

Each record includes

Type, Value, Description, Source

Recent move4 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight3 records

Each record includes

Type, Description

Peers10 records
1City Holding Company
TypeDirect peer
Description

NASDAQ-listed West Virginia-based bank holding company of comparable asset size operating branches across West Virginia, Kentucky, Ohio, and Virginia — closely overlapping footprint, customer mix, and community banking model.

2WesBanco
TypeDirect peer
Description

Multi-state community bank holding company with significant West Virginia and Virginia presence, similar asset scale, and a parallel mix of commercial banking plus trust and wealth services.

3United Bankshares
TypeDirect peer
Description

Large Mid-Atlantic regional bank holding company headquartered in West Virginia, serving similar Appalachian and Mid-Atlantic markets through a comparable consumer and commercial banking model.

4Eagle Bancorp
TypeBroad incumbent
Description

Larger Mid-Atlantic community-oriented commercial bank with overlapping consumer and SMB banking — useful as a broader-incumbent benchmark despite a different core geography (DC metro).

5Premier Financial Corp
TypeDirect peer
Description

Mid-size community-focused bank holding company operating commercial and consumer banking plus wealth management in the Midwest and Mid-Atlantic — closely analogous in scale and product mix.

6TowneBank
TypeDirect peer
Description

Hampton Roads-headquartered community bank with comparable asset size, multi-branch consumer/commercial banking model, and a parallel wealth management subsidiary.

7Stock Yards Bancorp
TypeDirect peer
Description

Kentucky-based community bank holding company of similar size with an analogous consumer/commercial banking plus wealth and trust management combination.

8S&T Bancorp
TypeDirect peer
Description

Pennsylvania-based community bank holding company of similar asset size with parallel consumer/commercial banking, wealth management, and small-business lending focus.

9F.N.B. Corporation
TypeDirect peer
Description

Regional bank holding company operating branches across Pennsylvania, Ohio, West Virginia, Maryland, and the Carolinas with a comparable community banking and wealth management offering.

10Park National Corporation
TypeDirect peer
Description

Mid-size Ohio-headquartered community bank holding company with a multi-state branch footprint, comparable deposit-gathering model, and similar SMB and consumer lending emphasis.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment3 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile3 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles9 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries4 records

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

First Community Bankshares

Community Bankingir.fcbresource.com

First Community Bankshares, Inc. is a NASDAQ-listed financial holding company headquartered in Bluefield, Virginia, operating 60 bank branches across four Appalachian states through First Community Bank and providing trust and wealth management services through affiliated subsidiaries to consumer, small business, and commercial customers.

What First Community Bankshares does

First Community Bankshares, Inc. (NASDAQ: FCBC) is a financial holding company headquartered in Bluefield, Virginia, with roots dating back to 1874. The corporation operates through its wholly-owned subsidiary, First Community Bank, which delivers a full array of consumer and commercial banking products and services — including deposit accounts, consumer and commercial loans, mortgages, and credit services — across 60 branch locations in northwestern North Carolina, eastern Tennessee, central and southwestern Virginia, and West Virginia. As of December 31, 2025, the company reported $3.26 billion in consolidated assets.

Complementing its core banking franchise, the company operates a Trust Division and First Community Wealth Management, Inc., which collectively managed or administered $1.79 billion in assets as of December 31, 2025, providing trust management, estate administration, and investment advisory services. The company serves individual consumers, small businesses, and commercial customers through a relationship-based, community-focused model emphasizing localized service through experienced management. Revenue mechanics follow traditional banking patterns: net interest income from the lending book, supplemented by fee-based income from fiduciary and investment advisory services.

Leadership is led by Chairman and Chief Executive Officer William P. Stafford, II, with Gary R. Mills serving as President of the Corporation and Chief Executive Officer of First Community Bank, and David D. Brown as Chief Financial Officer. In January 2026, the company completed the acquisition of Hometown Bancshares, Inc., extending its in-region footprint. The company has also demonstrated capital return discipline through regular quarterly dividends and a special dividend declared in December 2025.

First Community Bankshares firmographics

Firmographics
Name
First Community Bankshares
Legal name
First Community Bankshares, Inc.
Website
https://ir.fcbresource.com
Company type
Public
Founded year
1874
Operating status
Operating
Short description
First Community Bankshares, Inc. is a NASDAQ-listed financial holding company headquartered in Bluefield, Virginia, operating 60 bank branches across four Appalachian states through First Community Bank and providing trust and wealth management services through affiliated subsidiaries to consumer, small business, and commercial customers.
Ownership category
akta.pro rank

First Community Bankshares industry classification

Industry
Product category
Community Banking
NAICS
Commercial Banking (52211), Portfolio Management and Investment Advice (523940), Depository Credit Intermediation (5221)
SIC
State Commercial Banks (6022)
akta.pro primary industry
Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

  • Community banking
  • Consumer banking
  • Commercial banking
  • Wealth management
  • Trust services

Where First Community Bankshares is headquartered

Location

Headquarters

HQ city
Bluefield
HQ country
United States
HQ region
North America

Offices1 record

Markets served

First Community Bankshares business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

  1. Interest Income: Traditional banking interest income from lending activities including consumer loans, commercial loans, and mortgages. The bank operates as a financial holding company providing consumer and commercial banking products and services.
  2. Non-Interest Income: Fee-based income from trust management, estate administration, and investment advisory services through the Trust Division and First Community Wealth Management subsidiary.

Distribution channels2 records

Marketing channels1 record

First Community Bankshares product offering

Product offering

Core offering

First Community Bankshares operates as a financial holding company delivering consumer and commercial banking products and services (deposit accounts, consumer loans, commercial loans, mortgages, and credit services) through its wholly-owned subsidiary First Community Bank's 60-branch network in four states. It additionally provides trust management, estate administration, and investment advisory services through its Trust Division and First Community Wealth Management, Inc., which managed $1.79 billion in combined assets as of December 31, 2025.

Product overview

First Community Bankshares operates as a financial holding company with a single unified banking subsidiary (First Community Bank) and two complementary service divisions/modules: the Trust Division and First Community Wealth Management, Inc. The core product is the bank's consumer and commercial banking services, while the Trust Division and Wealth Management subsidiary provide ancillary fiduciary and investment advisory services. All entities operate under the First Community brand and share the same branch network and customer base.

Differentiator

Problem solved

Functional benefit

Products and services

  • Consumer and Commercial Banking Services
  • Trust Management and Estate Administration Services
  • Investment Advisory Services

Companies that use First Community Bankshares

Customer profile

Segments3 records

Ideal customer profiles3 records

First Community Bankshares technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

First Community Bankshares partnerships and signals

Strategic signal

Scale indicators6 records

Recent moves4 records

Expansion highlights3 records

First Community Bankshares competitors and assessment

Company assessment

Direct peers

  • City Holding Company: NASDAQ-listed West Virginia-based bank holding company of comparable asset size operating branches across West Virginia, Kentucky, Ohio, and Virginia — closely overlapping footprint, customer mix, and community banking model.
  • WesBanco: Multi-state community bank holding company with significant West Virginia and Virginia presence, similar asset scale, and a parallel mix of commercial banking plus trust and wealth services.
  • United Bankshares: Large Mid-Atlantic regional bank holding company headquartered in West Virginia, serving similar Appalachian and Mid-Atlantic markets through a comparable consumer and commercial banking model.
  • Premier Financial Corp: Mid-size community-focused bank holding company operating commercial and consumer banking plus wealth management in the Midwest and Mid-Atlantic — closely analogous in scale and product mix.
  • TowneBank: Hampton Roads-headquartered community bank with comparable asset size, multi-branch consumer/commercial banking model, and a parallel wealth management subsidiary.
  • Stock Yards Bancorp: Kentucky-based community bank holding company of similar size with an analogous consumer/commercial banking plus wealth and trust management combination.
  • S&T Bancorp: Pennsylvania-based community bank holding company of similar asset size with parallel consumer/commercial banking, wealth management, and small-business lending focus.
  • F.N.B. Corporation: Regional bank holding company operating branches across Pennsylvania, Ohio, West Virginia, Maryland, and the Carolinas with a comparable community banking and wealth management offering.
  • Park National Corporation: Mid-size Ohio-headquartered community bank holding company with a multi-state branch footprint, comparable deposit-gathering model, and similar SMB and consumer lending emphasis.

Broad incumbents

  • Eagle Bancorp: Larger Mid-Atlantic community-oriented commercial bank with overlapping consumer and SMB banking — useful as a broader-incumbent benchmark despite a different core geography (DC metro).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

First Community Bankshares social profiles

Digital presence

First Community Bankshares financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Community Bankshares leadership team

Management profile

Number of profiles

Profiles9 records

First Community Bankshares subsidiaries and ownership

Company hierarchy

Subsidiaries4 records

First Community Bankshares funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First Community Bankshares M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Community Bankshares

What does First Community Bankshares do?

First Community Bankshares operates as a financial holding company delivering consumer and commercial banking products and services (deposit accounts, consumer loans, commercial loans, mortgages, and credit services) through its wholly-owned subsidiary First Community Bank's 60-branch network in four states. It additionally provides trust management, estate administration, and investment advisory services through its Trust Division and First Community Wealth Management, Inc., which managed $1.79 billion in combined assets as of December 31, 2025.

Is First Community Bankshares a public or private company?

First Community Bankshares is a public company. It is classified as public and is currently operating.

When was First Community Bankshares founded?

First Community Bankshares was founded in 1874.

Where is First Community Bankshares based?

First Community Bankshares is headquartered in Bluefield, United States, in the North America region.

How does First Community Bankshares make money?

Two revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income.

Who are First Community Bankshares's main competitors?

Direct peers on record are City Holding Company, WesBanco, United Bankshares, Premier Financial Corp, TowneBank, Stock Yards Bancorp, S&T Bancorp, F.N.B. Corporation and Park National Corporation. Eagle Bancorp is listed as a broad incumbent.

Does First Community Bankshares have an API?

No public API is recorded for First Community Bankshares.

What industry is First Community Bankshares in?

First Community Bankshares's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.

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Live signals
StocktradersdailyTrading the Move, Not the Narrative: (FCBC) EditionAI models for First Community Bankshares (FCBC) generate three trading strategies with entry, target, and stop-loss levels. A mid-channel oscillation pattern shows a 25.4:1 risk-reward setup targeting a 7.5% gain versus 0.3% risk. Neutral sentiment prevails across near, mid, and long-term horizons.Markets DailyFirst Community Bancshares (NASDAQ:FCBC) President Gary Mills Sells 3,500 Shares of StockFirst Community Bancshares President Gary Mills sold 3,500 shares of company stock on July 30th at $47.67 per share, reducing his position by 37.64% to approximately $276,390 in remaining holdings. The sale was disclosed in an SEC filing following the company's second-quarter earnings beat of $0.76 per share versus the $0.74 consensus estimate, with revenue of $92.09 million significantly exceeding analyst expectations of $51.20 million. The bank also announced a dividend increase to $0.33 quarterly from $0.31, representing a $1.32 annualized dividend yielding 2.8%.GlobeNewswireFirst Community Bankshares, Inc. AnnouncesFirst Community Bankshares reported Q1 2026 net income of $12.03 million, or $0.63 per diluted share, and declared a $0.31 quarterly dividend payable May 29, 2026. Adjusted net income rose 17% to $13.83 million, and the company completed its Hometown Bancshares acquisition in January 2026.GlobeNewswireFirst Community Bankshares, Inc. AnnouncesFirst Community Bankshares reported Q4 2025 net income of $12.46 million, down 4.41% year-over-year, and declared a quarterly cash dividend of $0.31 per share. The company also completed the acquisition of Hometown Bancshares, which had total assets of about $415 million at year-end.Investing.comFirst Community Bankshares merger with Hometown Bancshares advances after shareholder approval By Investing.comHometown Bancshares shareholders have approved the previously announced merger with First Community Bankshares, which will see Hometown merge into First Community. The transaction is expected to close in the first quarter of 2026, pending approval from the Virginia State Corporation Commission Bureau of Financial Institutions and other customary closing conditions.Investing.comFirst Community Bankshares declares $1.00 per share special dividend By Investing.comFirst Community Bankshares declared a special cash dividend of $1.00 per share, totaling approximately $18.32 million, to be paid in January 2026. This announcement coincides with the reported approval by Hometown Bancshares shareholders of their merger with First Community Bankshares, which is expected to close in early 2026.GlobeNewswireFirst Community Bankshares, Inc. Announces Special DividendFirst Community Bankshares declared a $1.00 special cash dividend to common shareholders, payable on or about January 16, 2026 to shareholders of record on January 2, 2026. The dividend totals approximately $18.32 million, and the company expects sufficient surplus capital to support growth after payment.Investing.comFirst Community Bankshares shareholders approve Hometown Bancshares merger By Investing.comShareholders of Hometown Bancshares, Inc. approved the proposed merger with First Community Bankshares during a special meeting held on Tuesday. The merger agreement, originally signed on July 19, 2025, is expected to close in the first quarter of 2026, pending regulatory and customary closing approvals. First Community Bankshares has maintained a strong financial position with 32 consecutive years of dividend payments, although it has reported a decline in earnings compared to the previous year.GlobeNewswireFirst Community Bankshares, Inc. Announces Third Quarter 2025 Results and Quarterly Cash DividendFirst Community Bankshares reported Q3 2025 net income of $12.27 million, down 5.89% year-over-year, and declared a quarterly cash dividend of $0.31 per share. The company also reported a merger expense of $787 thousand related to its Hometown Bank merger, with completion expected in January 2026.GlobeNewswireFirst Community Bankshares, Inc. Announces Third Quarter 2025 Results and Quarterly Cash DividendFirst Community Bankshares, Inc. reported net income of $12.27 million for Q3 2025, representing a 5.89% decrease compared to the same quarter in 2024, though adjusted earnings rose 4% when excluding merger expenses. The company declared a quarterly cash dividend of $0.31 per share, marking its 40th consecutive year of regular dividends, while also noting its forthcoming merger with Hometown Bank remains on track for completion in January 2026. Asset quality improved with non-performing assets declining to $16.90 million, though net interest margin remained stable at 4.43% and total loans decreased by $84.78 million from year-end 2024.