- First Community Bankshares, Inc. reported **net income of $12.27 million** and **$0.67 per diluted common share** for the third quarter ended September 30, 2025.  **[859070_0001437749-25-031996_ex_847336.htm:0]** **[859070_0001437749-25-031996_ex_847336.htm:4]** 
- The company declared a **quarterly cash dividend of $0.31 per common share**, payable on November 28, 2025, to shareholders of record on November 14, 2025, marking its **40th consecutive year of regular dividends**.  **[859070_0001437749-25-031996_ex_847336.htm:0]** **[859070_0001437749-25-031996_fcbc20250802_8k.htm:2]** 
- Consolidated assets totaled **$3.19 billion** as of September 30, 2025, with non-performing assets decreasing to **$16.90 million** from $20.54 million at December 31, 2024.  **[859070_0001437749-25-031996_ex_847336.htm:2]** **[859070_0001437749-25-031996_ex_847336.htm:3]** 
- Noninterest income increased by approximately **$437 thousand (4.18%)** compared to the third quarter of 2024, while noninterest expense increased by **$2.10 million (8.69%)**, including **$787 thousand in merger expenses** related to the forthcoming merger with Hometown Bank.  **[859070_0001437749-25-031996_ex_847336.htm:1]**

First Community Bankshares, Inc. Announces Third Quarter 2025 Results and Quarterly Cash Dividend

- First Community Bankshares, Inc. reported **net income of $12.27 million**, or **$0.67 per diluted common share**, for the third quarter ended September 30, 2025.  **[859070_f9b921d603884fc894f2e8106d086317_0]** 
- The company declared a **quarterly cash dividend of $0.31 per common share**, payable on November 28, 2025, marking the **40th consecutive year of regular dividends**.  **[859070_f9b921d603884fc894f2e8106d086317_0]** 
- While net income for Q3 2025 decreased **5.89%** from the same quarter in 2024, **adjusted net income increased 4.00%** to **$12.90 million** when excluding merger and non-recurring expenses.  **[859070_f9b921d603884fc894f2e8106d086317_1]** **[859070_f9b921d603884fc894f2e8106d086317_9]** 
- The **net interest margin remained strong at 4.43%** for the third quarter of 2025, an increase of 2 basis points over the same quarter of 2024.  **[859070_f9b921d603884fc894f2e8106d086317_1]**  The company also incurred **$787 thousand in merger expenses** related to its forthcoming merger with Hometown Bank, anticipated to complete in January 2026.  **[859070_f9b921d603884fc894f2e8106d086317_1]** **[859070_f9b921d603884fc894f2e8106d086317_8]**

First Community Bankshares Announces Q3 2025 Results and Quarterly Dividend

- **Community Bank & Trust (CB&T)**, a subsidiary of Community Bankshares Inc, successfully closed the **SOUP 7(a) Trust 2025-FBC1**, a **$118.9 million securitization** backed by the unguaranteed portions of U.S. Small Business Administration (SBA) 7(a) loans.  **[859070_a98ae1a7c3ed405d9e8d6a77e15c5d12_0]** 
- This transaction represents the **second-ever securitization of its kind**, establishing a pathway for SBA lenders to access permanent liquidity, and received a **BBB (high) (sf) rating from Morningstar DBRS**.  **[859070_a98ae1a7c3ed405d9e8d6a77e15c5d12_0]** 
- **Falcon Bridge Capital** acted as Deal Manager, Structuring Agent, and Asset Manager, partnering with CB&T and other SBA-approved lenders to pool unguaranteed loan interests into a scalable securitization platform.  **[859070_a98ae1a7c3ed405d9e8d6a77e15c5d12_0]**

FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC)