First Community Corporation reported GAAP earnings per share of $2.47 for full-year 2025, a 36.5% increase over 2024 levels, driving net income to $19.205 million. Fourth quarter diluted EPS, excluding merger expenses, reached $0.69, up from $0.55 in the year-ago quarter. Total revenues exceeded prior year totals by double-digit percentages, reflecting steady growth across net interest income and fee-based services.

The bank maintained exceptional credit quality with net charge-offs of just $52,000 for 2025 and non-performing assets at 0.02% of total assets. Net interest margin expanded by five basis points to 3.32% in the fourth quarter, marking seven consecutive quarters of margin improvement. Deposit costs remained stable, supporting an efficiency ratio below 60%, one of the strongest among regional peers.

On January 8, 2026, FCCO completed its acquisition of Signature Bank of Georgia, adding $X million in high-net-worth deposits and bolstering capital ratios. The deal is projected to be immediately accretive to tangible book value per share, while increasing assets under management to over $1.17 billion. Management expects the acquisition to enhance cross-selling opportunities and further diversify the company’s revenue mix.