FCCO on Nasdaq
FIRST COMMUNITY CORP /SC/
The Bank is also regulated and examined by the South Carolina Board of Financial Institutions (the “S.C. Board”).3 From its latest annual report
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Last updated Oct 19, 2026.
Overview
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- TickerFCCO on Nasdaq1
- IndustryState Commercial Banks1
- HeadquartersLexington, South Carolina1
- Incorporated inSC2
- Business address5455 Sunset Blvd, Lexington, Sc 290722
- Filer categoryNon-accelerated filer, Smaller reporting company2
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The Bank is also regulated and examined by the South Carolina Board of Financial Institutions (the “S.C. Board”).3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Interest58¢$35.0M
- Income tax9¢$5.7M
- Profit32¢$19.2M
Out of $922.0K in revenue.4
Where each dollar of operating cash went, fiscal 2025
- Capital spending6¢$1.1M
- Dividends paid25¢$4.8M
- Kept or used elsewhere69¢$12.8M
Out of $18.7M of cash from operations.4
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $73.7M | $66.4M | $52.3M |
| Investment securities - taxable | $15.5M | $16.1M | $16.7M |
| Investment securities non-taxable | $1.4M | $1.4M | $1.5M |
| Other short-term investments and CDs | $6.5M | $5.5M | $2.2M |
| Total interest income | $97.1M | $89.4M | $72.7M |
| Deposits | $31.2M | $31.2M | $16.6M |
| Securities sold under agreement to repurchase | $2.7M | $2.2M | $1.7M |
| Other borrowed money | $1.1M | $4.0M | $5.6M |
| Total interest expense | $35.0M | $37.4M | $23.8M |
| Net interest income | $62.0M | $52.0M | $48.9M |
| Provision for credit losses | $770.0K | $809.0K | $1.1M |
| Net interest income after provision for credit losses | $61.3M | $51.2M | $47.8M |
| Deposit service charges | $922.0K | $952.0K | $963.0K |
| Mortgage banking income | $3.3M | $2.4M | $1.4M |
| Investment advisory fees and non-deposit commissions | $7.6M | $6.2M | $4.5M |
| Loss on sale of securities | -$1.2M | ||
| Gain on sale of other real estate owned | $127.0K | $151.0K | |
| Loss on sale of other assets | -$5.0K | ||
| Other non-recurring income | $190.0K | $105.0K | $121.0K |
| Other | $4.9M | $4.4M | $4.5M |
| Total non-interest income | $16.9M | $14.0M | $10.4M |
| Salaries and employee benefits | $31.9M | $29.3M | $25.9M |
| Occupancy | $3.1M | $3.1M | $3.2M |
| Equipment | $1.6M | $1.5M | $1.6M |
| Marketing and public relations | $1.8M | $1.5M | $1.5M |
| FDIC insurance assessments | $1.1M | $1.2M | $904.0K |
| Other real estate expense (income) | $138.0K | $103.0K | -$112.0K |
| Amortization of intangibles | $158.0K | $158.0K | $158.0K |
| Merger | $1.3M | ||
| Other | $12.2M | $10.7M | $10.1M |
| Total non-interest expense | $53.3M | $47.5M | $43.1M |
| Net income before tax | $24.9M | $17.8M | $15.0M |
| Income tax expense | $5.7M | $3.8M | $3.2M |
| Net income | $19.2M | $14.0M | $11.8M |
| Basic earnings per common share | $2.51 | $1.83 | $1.56 |
| Diluted earnings per common share | $2.47 | $1.81 | $1.55 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $23.9M | $26.4M | ||
| Interest-bearing bank balances | $137.2M | $123.5M | ||
| Investment securities available-for-sale | $294.1M | $279.6M | ||
| Investment securities held-to-maturity, fair value of $188,563 and $196,040 at December 31, 2025 and December 31, 2024, respectively, net of allowance for credit losses-investments | $195.1M | $209.4M | ||
| Other investments, at cost | $2.9M | $2.7M | ||
| Loans held-for-sale | $10.7M | $9.7M | ||
| Loans held-for-investment | $1.3B | $1.2B | ||
| Less, allowance for credit losses | $13.8M | $13.1M | $12.3M | $11.3M |
| Net loans held-for-investment | $1.3B | $1.2B | ||
| Property and equipment - net | $29.3M | $30.0M | ||
| Lease right-of-use asset | $2.2M | $2.5M | ||
| Bank owned life insurance | $31.8M | $31.0M | ||
| Other real estate owned | $168.0K | $543.0K | ||
| Intangible assets | $289.0K | $446.0K | $604.0K | |
| Goodwill | $14.6M | $14.6M | $14.6M | |
| Other assets | $18.1M | $20.4M | ||
| Total assets | $2.1B | $2.0B | ||
| Non-interest bearing | $467.3M | $462.7M | ||
| Interest bearing | $1.3B | $1.2B | ||
| Total deposits | $1.7B | $1.7B | ||
| Securities sold under agreements to repurchase | $107.2M | $103.1M | ||
| Junior subordinated debt | $15.0M | $15.0M | ||
| Lease liability | $2.4M | $2.6M | ||
| Other liabilities | $16.1M | $16.9M | ||
| Total liabilities | $1.9B | $1.8B | ||
| Common stock, par value $1.00 per share; 20,000,000 shares authorized; issued and outstanding 7,693,215 at December 31, 2025, and 7,644,424 at December 31, 2024 | $7.7M | $7.6M | ||
| Nonvested restricted stock and stock units | $3.1M | $2.6M | ||
| Additional paid in capital | $94.9M | $93.8M | ||
| Retained earnings | $80.3M | $65.8M | ||
| Accumulated other comprehensive loss | -$18.4M | -$25.5M | ||
| Total shareholders equity | $167.6M | $144.5M | $131.1M | $118.4M |
| Total liabilities and shareholders equity | $2.1B | $2.0B | ||
| Debt Securities, Held-to-Maturity, Fair Value | $188.6M | $196.0M | ||
| Preferred Stock, Par or Stated Value Per Share | $1.00 | $1.00 | ||
| Preferred Stock, Shares Authorized | 10.0M shares | 10.0M shares | ||
| Preferred Stock, Shares Issued | 0 shares | 0 shares | ||
| Preferred Stock, Shares Outstanding | 0 shares | 0 shares | ||
| Common Stock, Par or Stated Value Per Share | $1.00 | $1.00 | ||
| Common Stock, Shares Authorized | 20.0M shares | 20.0M shares | ||
| Common Stock, Shares, Issued | 7.7M shares | 7.6M shares | ||
| Common Stock, Shares, Outstanding | 7.7M shares | 7.6M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $23.9M | $26.4M | ||
| Interest-bearing bank balances | $137.2M | $123.5M | ||
| Investment securities available-for-sale | $294.1M | $279.6M | ||
| Investment securities held-to-maturity, fair value of $188,563 and $196,040 at December 31, 2025 and December 31, 2024, respectively, net of allowance for credit losses-investments | $195.1M | $209.4M | ||
| Other investments, at cost | $2.9M | $2.7M | ||
| Loans held-for-sale | $10.7M | $9.7M | ||
| Loans held-for-investment | $1.3B | $1.2B | ||
| Less, allowance for credit losses | $13.8M | $13.1M | $12.3M | $11.3M |
| Net loans held-for-investment | $1.3B | $1.2B | ||
| Property and equipment - net | $29.3M | $30.0M | ||
| Lease right-of-use asset | $2.2M | $2.5M | ||
| Bank owned life insurance | $31.8M | $31.0M | ||
| Other real estate owned | $168.0K | $543.0K | ||
| Intangible assets | $289.0K | $446.0K | $604.0K | |
| Goodwill | $14.6M | $14.6M | $14.6M | |
| Other assets | $18.1M | $20.4M | ||
| Total assets | $2.1B | $2.0B | ||
| Non-interest bearing | $467.3M | $462.7M | ||
| Interest bearing | $1.3B | $1.2B | ||
| Total deposits | $1.7B | $1.7B | ||
| Securities sold under agreements to repurchase | $107.2M | $103.1M | ||
| Junior subordinated debt | $15.0M | $15.0M | ||
| Lease liability | $2.4M | $2.6M | ||
| Other liabilities | $16.1M | $16.9M | ||
| Total liabilities | $1.9B | $1.8B | ||
| Common stock, par value $1.00 per share; 20,000,000 shares authorized; issued and outstanding 7,693,215 at December 31, 2025, and 7,644,424 at December 31, 2024 | $7.7M | $7.6M | ||
| Nonvested restricted stock and stock units | $3.1M | $2.6M | ||
| Additional paid in capital | $94.9M | $93.8M | ||
| Retained earnings | $80.3M | $65.8M | ||
| Accumulated other comprehensive loss | -$18.4M | -$25.5M | ||
| Total shareholders equity | $167.6M | $144.5M | $131.1M | $118.4M |
| Total liabilities and shareholders equity | $2.1B | $2.0B | ||
| Debt Securities, Held-to-Maturity, Fair Value | $188.6M | $196.0M | ||
| Preferred Stock, Par or Stated Value Per Share | $1.00 | $1.00 | ||
| Preferred Stock, Shares Authorized | 10.0M shares | 10.0M shares | ||
| Preferred Stock, Shares Issued | 0 shares | 0 shares | ||
| Preferred Stock, Shares Outstanding | 0 shares | 0 shares | ||
| Common Stock, Par or Stated Value Per Share | $1.00 | $1.00 | ||
| Common Stock, Shares Authorized | 20.0M shares | 20.0M shares | ||
| Common Stock, Shares, Issued | 7.7M shares | 7.6M shares | ||
| Common Stock, Shares, Outstanding | 7.7M shares | 7.6M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $19.2M | $14.0M | $11.8M |
| Depreciation | $1.7M | $1.7M | $1.8M |
| Net premium amortization AFS | -$2.9M | -$3.1M | -$2.5M |
| Net premium amortization HTM | -$698.0K | -$626.0K | -$575.0K |
| Provision for credit losses | $770.0K | $809.0K | $1.1M |
| Write-downs of other real estate owned | $125.0K | $79.0K | $44.0K |
| Gain on sale of other real estate owned | -$127.0K | -$151.0K | |
| Originations of HFS loans | -$115.5M | -$79.4M | -$50.3M |
| Sales of HFS loans | $117.7M | $76.5M | $49.0M |
| Gain on sale of HFS loans | -$3.3M | -$2.4M | -$1.4M |
| Amortization of intangibles | $158.0K | $158.0K | $158.0K |
| Loss on sale of securities | $1.2M | ||
| Loss on fair value of equity investments | -$2.0K | -$20.0K | -$19.0K |
| Accretion on acquired loans | -$81.0K | ||
| Loss on sale of other assets | $5.0K | ||
| Stock-based compensation | $1.2M | $753.0K | $794.0K |
| Decrease (increase) in other assets | $1.5M | $1.3M | -$1.6M |
| (Decrease) increase in other liabilities | -$1.1M | $1.9M | $3.7M |
| Net cash provided by operating activities | $18.7M | $11.6M | $13.0M |
| Proceeds from sale of securities available-for-sale | $38.7M | ||
| Purchase of investment securities available-for-sale | -$42.5M | -$17.7M | -$6.0M |
| (Purchase) sale of other investment securities | -$303.0K | $1.8M | -$2.6M |
| Maturity/call of investment securities available-for-sale | $38.3M | $27.6M | $21.9M |
| Maturity/call of investment securities held-to-maturity | $15.0M | $8.4M | $12.1M |
| Increase in loans | -$90.5M | -$86.6M | -$153.0M |
| Proceeds from sale of other real estate owned | $377.0K | $419.0K | |
| Purchase of property and equipment | -$1.1M | -$1.1M | -$1.1M |
| Net disposal of property and equipment | $30.0K | ||
| Net cash used by investing activities | -$80.8M | -$67.6M | -$89.7M |
| Increase in deposit accounts | $73.6M | $164.9M | $125.6M |
| Decrease in federal funds borrowed | -$22.0M | ||
| Advances from the Federal Home Loan Bank | $289.0M | ||
| Repayment of advances from the Federal Home Loan Bank | -$90.0M | -$249.0M | |
| Increase (decrease) in securities sold under agreements to repurchase | $4.1M | $40.2M | -$5.9M |
| Proceeds from dividend reinvestment plan | $386.0K | $410.0K | $438.0K |
| Dividends paid on common stock | -$4.8M | -$4.4M | -$4.2M |
| Net cash provided by financing activities | $73.4M | $111.1M | $133.9M |
| Net increase in cash and cash equivalents | $11.2M | $55.1M | $57.3M |
| Cash paid during the period for: interest | $33.8M | $33.2M | $20.8M |
| Income Taxes | $5.5M | $3.8M | $3.6M |
| Unrealized gain on securities available-for-sale, net of tax | $7.3M | $1.4M | $2.9M |
| Adoption of ASU 2016-13 (CECL transition) | $337.0K | ||
| Transfer of loans to other real estate owned | $44.0K | ||
| Recognition of operating lease right of use asset | $835.0K | ||
| Recognition of operating lease liability | $835.0K | ||
| Termination of operating lease right of use asset | $476.0K | ||
| Termination of operating lease liability | $510.0K |
No quarter-by-quarter statement was filed.
Leadership
Who has led FIRST COMMUNITY CORP /SC/, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
2010201520202025
- Chief executive officerMichael C. Crapps Feb 16, 2007 to now12
- ChairJames C. Leventis Mar 16, 2007 to Aug 29, 200713
- PresidentMichael C. Crapps Feb 16, 2007 to now12
- Chief financial officerDonald Shawn Jordan Dec 19, 2019 to now14
- Chief financial officerJoseph G. Sawyer Feb 16, 2006 to Mar 14, 201915
- Chief operating officerSarah Donley Jan 3, 2025 to now16
- Chief operating officerTanya A. Butts Mar 12, 2018 to Feb 22, 202417
Board members and other officers (31)
- Executive Vice PresidentFred Joseph Deutsch Feb 2, 2026 to now18
- Executive Vice PresidentJoseph Andrew Painter Jan 9, 2024 to now19
- Executive Vice PresidentVaughan R. Dozier Jr. Jan 9, 2024 to now20
- Executive Vice PresidentRobin D. Brown Jan 19, 2017 to now21
- Executive Vice PresidentTanya A. Butts Jan 25, 2017 to Feb 21, 202522
- Senior Vice PresidentDavid K. Proctor Jan 13, 2006 to Jul 26, 201923
- Senior Vice PresidentTed J. Nissen Feb 7, 2006 to now24
- Board memberJonathan W. Been Jan 12, 2026 to now25
- Board memberFred Joseph Deutsch Feb 2, 2026 to now18
- Board memberTed J. Nissen Feb 26, 2026 to now26
- Board memberRay E. Jones Jan 4, 2021 to now27
- Board memberJan H. Hollar May 28, 2021 to now28
- Board memberMickey Layden Jun 5, 2019 to now29
- Board memberJane S. Sosebee Jun 7, 2019 to now30
- Board memberEdward J. Tarver May 23, 2017 to Jan 2, 202431
- Board memberE. Leland Reynolds Feb 3, 2014 to now32
- Board memberJ. Randolph Potter Feb 3, 2014 to Feb 26, 201933
- Board memberPaul S. Simon Feb 3, 2014 to Mar 7, 201734
- Board memberAlexander Snipe Jr. Mar 16, 2012 to now35
- Board memberJames C. Leventis Dec 20, 2011 to May 17, 201236
- Board memberLoretta R. Whitehead Dec 20, 2011 to Feb 16, 201637
- Board memberRichard K. Bogan Dec 20, 2011 to Feb 26, 201938
- Board memberHinton G. Davis Feb 4, 2009 to Feb 4, 200939
- Board memberGeorge H. Fann Jr. Feb 9, 2009 to Jul 26, 201840
- Board memberMichael C. Crapps Feb 16, 2007 to now12
- Board memberAnita B. Easter Jan 20, 2006 to Feb 27, 201941
- Board memberChimin J. Chao Feb 1, 2006 to now42
- Board memberW. James Kitchens Jr. Feb 1, 2006 to now43
- Board memberO. A. Ethridge Feb 14, 2006 to Mar 7, 201744
- Board memberMitchell M. Willoughby Mar 2, 2006 to Feb 26, 202045
- Board memberRoderick M. Todd Jr. Jun 13, 2006 to now46
Timeline
- Feb 16, 2007New chief executive Michael C. Crapps becomes CEO12
Filings
359 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 63 major events, 220 insider forms, 18 large holders, 38 other. The latest 20:
- Oct 6, 20263 PRIMARY DOCUMENT EDGAR
- Oct 6, 20263 PRIMARY DOCUMENT EDGAR
- Oct 6, 20264 PRIMARY DOCUMENT EDGAR
- Oct 2, 20268-K EDGAR
- Oct 2, 20264 PRIMARY DOCUMENT EDGAR
- Oct 2, 20264 PRIMARY DOCUMENT EDGAR
- Oct 1, 20268-K EDGAR
- Oct 1, 20264 PRIMARY DOCUMENT EDGAR
- Oct 1, 20264 PRIMARY DOCUMENT EDGAR
- Oct 1, 20264 PRIMARY DOCUMENT EDGAR
- Sep 16, 20268-K EDGAR
- Sep 8, 20268-K EDGAR
- Sep 4, 20264 PRIMARY DOCUMENT EDGAR
- Aug 26, 20264 PRIMARY DOCUMENT EDGAR
- Aug 24, 20264 PRIMARY DOCUMENT EDGAR
- Aug 19, 20268-K EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 12, 202610-Q EDGAR
- Aug 10, 20268-K EDGAR
- Jul 28, 2026SCHEDULE 13G EDGAR
The 359 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
16 open-market trades by officers, directors and large owners since October 2021: 10 buys and 6 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 3, 2026 | Been Jonathan WDirector | Sale | 14,800 | $34.05 | $503.9K | Form 4 |
| Aug 25, 2026 | Sosebee Jane SDirector | Buy | 1,250 | $33.95 | $42.4K | Form 4 |
| Aug 24, 2026 | Deutsch Fred JosephExecutive Vice President | Sale | 7,936 | $34.00 | $269.8K | Form 4 |
| Aug 21, 2026 | Deutsch Fred JosephExecutive Vice President | Sale | 963 | $34.00 | $32.7K | Form 4 |
| Jul 28, 2026 | Deutsch Fred JosephExecutive Vice President | Sale | 10,000 | $34.52 | $345.1K | Form 4 |
| Feb 2, 2026 | REYNOLDS E. LELANDDirector | Buy | 500 | $29.67 | $14.8K | Form 4 |
| Sep 11, 2025 | TODD RODERICK M JRDirector | Sale | 1,679 | $28.00 | $47.0K | Form 4 |
| Feb 26, 2024 | Sosebee Jane SDirector | Buy | 2,500 | $16.40 | $41.0K | Form 4 |
| May 22, 2023 | REYNOLDS E. LELANDDirector | Buy | 500 | $16.50 | $8.2K | Form 4 |
| May 19, 2023 | CRAPPS MICHAEL CPresident and CEO | Buy | 650 | $17.00 | $11.1K | Form 4 |
| Feb 22, 2023 | Hollar Jan HDirector | Buy | 2,000 | $19.60 | $39.2K | Form 4 |
| Oct 24, 2022 | REYNOLDS E. LELANDDirector | Buy | 565 | $18.50 | $10.5K | Form 4 |
| Mar 21, 2022 | REYNOLDS E. LELANDDirector | Buy | 1,000 | $21.94 | $21.9K | Form 4 |
| Mar 21, 2022 | REYNOLDS E. LELANDDirector | Sale | 268 | $21.42 | $5.7K | Form 4 |
| Jan 25, 2022 | Tarver Edward J. | Buy | 500 | $21.12 | $10.6K | Form 4 |
| Jan 21, 2022 | Layden MickeyDirector | Buy | 1,000 | $21.18 | $21.2K | Form 4 |
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 6 filings Feb 14, 2023 to Aug 14, 202647
- BlackRockSCHEDULE 13G, 1 filing Jul 28, 202648
- VANGUARD GROUP INCSCHEDULE 13G/A, 5 filings Feb 13, 2024 to Mar 26, 202649
- FJ Capital Management LLCSCHEDULE 13G/A, 3 filings May 20, 2024 to Feb 5, 202550
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 13SEC EDGARJames C. Leventis, Chair
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- 24SEC EDGARTed J. Nissen, Senior Vice President
- 25SEC EDGARJonathan W. Been, Board member
- 26SEC EDGARTed J. Nissen, Board member
- 27SEC EDGARRay E. Jones, Board member
- 28SEC EDGARJan H. Hollar, Board member
- 29SEC EDGARMickey Layden, Board member
- 30SEC EDGARJane S. Sosebee, Board member
- 31SEC EDGAREdward J. Tarver, Board member
- 32SEC EDGARE. Leland Reynolds, Board member
- 33SEC EDGARJ. Randolph Potter, Board member
- 34SEC EDGARPaul S. Simon, Board member
- 35SEC EDGARAlexander Snipe Jr., Board member
- 36SEC EDGARJames C. Leventis, Board member
- 37SEC EDGARLoretta R. Whitehead, Board member
- 38SEC EDGARRichard K. Bogan, Board member
- 39SEC EDGARHinton G. Davis, Board member
- 40SEC EDGARGeorge H. Fann Jr., Board member
- 41SEC EDGARAnita B. Easter, Board member
- 42SEC EDGARChimin J. Chao, Board member
- 43SEC EDGARW. James Kitchens Jr., Board member
- 44SEC EDGARO. A. Ethridge, Board member
- 45SEC EDGARMitchell M. Willoughby, Board member
- 46SEC EDGARRoderick M. Todd Jr., Board member
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