Earnings Releases·Oct 27, 2026, 4:15 PM ET

First Community Bankshares, Inc. — Third Quarter 2026 Earnings Summary

Net income for Q3 2026 rose 25.74% year-over-year to $15.42 million ($0.81 diluted EPS), while nine-month net income reached a record $49.96 million ($2.63 diluted EPS), up $13.63 million from the prior year.
Net interest margin expanded 3 basis points to 4.46%, driven by a 13.89% increase in average earning assets and a 15 basis point decline in the cost of interest-bearing deposits; loan production surged 41.37% to $125.59 million.
Asset quality improved with non-performing assets declining 6.09% and net charge-offs falling to $696 thousand from $1.42 million in the prior year period.
The Board declared a quarterly cash dividend of $0.33 per share; capital return included $20.33 million in share repurchases during Q1 2026, with no repurchases in Q3.
No forward guidance was provided, though management highlighted confidence in asset quality and noted the Hometown Bancshares acquisition contributed to earning asset growth.