Here are the 10-K annual reports from First Community Bankshares, Inc. (FCBC) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FCBC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FCBC filings page.
First Community Bankshares, Inc. files its 2025 annual report as a regional community bank holding company based in Virginia. As of June 30, 2025, non‑affiliate common equity had an aggregate market value of $509.45 million, and as of February 27, 2026, there were 19,075,028 common shares outstanding.
The company operated 52 branches across Virginia, West Virginia, North Carolina, and Tennessee as of December 31, 2025, and on January 23, 2026 completed the acquisition of Hometown Bancshares, expanding to 60 branches. It had 622 full‑time and 28 part‑time employees, most of whom are stockholders through retirement plans.
Management reports that the bank and holding company exceed Basel III requirements and that the bank was classified as well‑capitalized at year‑end 2025. The filing emphasizes extensive regulation, dividend and capital constraints, and detailed risk factors, including economic and interest‑rate volatility, credit and liquidity risks, growing cybersecurity and fraud threats, competition from fintechs, AI‑related operational and compliance risks, and evolving ESG expectations.