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Sep 30, 2025
First Community Bankshares Q3 2025 Earnings Report
First Commonwealth delivered improved profitability in Q3 2025 driven by higher net interest income and a stronger net interest margin.
Key Takeaways
The company posted higher EPS and net income in Q3 2025 compared to prior periods. Revenue growth was supported by expanding net interest margin and loan growth, though credit costs rose during the quarter.
Net income reached $41.33 million, up from $32.09 million in Q3 2024.
EPS rose to $0.39, compared to $0.31 in the prior year quarter.
Net interest margin increased to 3.92%, reflecting improved funding costs.
Annualized net charge-offs rose to 0.51% of average loans.
Forward Guidance
Management highlighted strong core banking momentum, disciplined cost control, and continued credit vigilance as drivers for long-term shareholder value.
Positive Outlook
- Net interest income increased $4.9 million sequentially
- Core efficiency ratio improved to 52.3%
- Total loans grew $137.0 million in the quarter
- Tangible book value per share rose to $10.94
- Capital levels remained strong with CET1 at 12.0%
Challenges Ahead
- Provision expense increased to $11.3 million
- Net charge-offs spiked due to commercial loan write-downs
- Noninterest income slightly declined from prior quarter
- Allowance coverage ratio declined slightly QoQ
- Credit costs rose due to isolated loan issues
Historical Earnings Impact
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Avg. Return Before/After Earnings
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