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FIRST COMMUNITY BANKSHARES INC /VA/

For the period ended Dec 31, 2025. Filed Mar 6, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 6, 2026

FCBC$45.80+0.7%Stored close · as of Nov 9, 2026

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Contents

Item 2. Properties

Item 2.Properties.

We own our corporate headquarters located at One Community Place, Bluefield, Virginia. As of December 31, 2025, the Bank provided financial services through a network of branch locations in West Virginia (17 branches), Virginia (23 branches), North Carolina (10 branches), and Tennessee (2 branches). We own all of the branch locations with the exception of one, in West Virginia, which is being leased. As of December 31, 2025, there were no mortgages or liens against any of the properties. We believe that our properties are suitable and adequate to serve as financial services facilities. A list of all branch and ATM locations is available on our website at www.firstcommunitybank.com. Information contained on our website is not part of this report. For additional information, see Note 7, “Premises, Equipment, and Leases,” to the Consolidated Financial Statements in Part II, Item 8 of this report.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.