FIRST COMMUNITY CORP /SC/

For the period ended Sep 30, 2026. Filed Nov 10, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 10, 2026

FCCO$32.81-0.9%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

(Dollars in thousands, except per share amounts)	Three Months ended September 30,
	2026	2025
Interest and dividend income:
Loans, including fees	$24,402	$18,864
Investment securities – taxable	3,954	3,982
Investment securities – non-taxable	357	346
Interest-bearing deposits in other banks and fed funds sold	1,294	1,710
Total interest and dividend income	30,007	24,902
Interest expense:
Deposits	8,936	7,995
Securities sold under agreements to repurchase	582	640
Other borrowed money	251	273
Total interest expense	9,769	8,908
Net interest income	20,238	15,994
Provision for credit losses	193	201
Net interest income after provision for credit losses	20,045	15,793
Non-interest income:
Deposit service charges	216	243
Mortgage banking income	614	934
Investment advisory fees and non-deposit commissions	2,605	1,862
Government guaranteed lending	534	—
Loss on sale of other assets	(2)	—
Other non-interest income	2,021	1,430
Total non-interest income	5,988	4,469
Non-interest expense:
Salaries and employee benefits	9,594	8,059
Occupancy	929	792
Equipment	386	377
Marketing and public relations	534	557
FDIC insurance assessments	278	286
Other real estate expense	90	12
Amortization of intangibles	104	39
Merger	104	575
Other	3,611	2,977
Total non-interest expense	15,630	13,674
Net income before tax	10,403	6,588
Income tax expense	2,359	1,396
Net income	$8,044	$5,192
Basic earnings per common share	$0.86	$0.68
Diluted earnings per common share	$0.85	$0.67

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

(Dollars in thousands, except per share amounts)	Nine months ended September 30,
	2026	2025
Interest and dividend income:
Loans, including fees	$70,125	$54,482
Investment securities – taxable	11,654	11,766
Investment securities – non-taxable	1,018	1,032
Interest-bearing deposits in other banks and fed funds sold	4,424	4,877
Total interest and dividend income	87,221	72,157
Interest expense:
Deposits	26,559	23,504
Securities sold under agreements to repurchase	1,812	2,134
Other borrowed money	742	811
Total interest expense	29,113	26,449
Net interest income	58,108	45,708
Provision for credit losses	512	401
Net interest income after provision for credit losses	57,596	45,307
Non-interest income:
Deposit service charges	652	688
Mortgage banking income	2,365	2,572
Investment advisory fees and non-deposit commissions	7,162	5,419
Government guaranteed lending	1,638	—
(Loss) gain on sale of other assets	(2)	127
Other non-interest income	4,600	3,851
Total non-interest income	16,415	12,657
Non-interest expense:
Salaries and employee benefits	28,600	23,776
Occupancy	2,639	2,341
Equipment	1,171	1,157
Marketing and public relations	1,383	1,279
FDIC insurance assessments	844	860
Other real estate expense	97	134
Amortization of intangibles	301	118
Merger	2,188	809
Other	10,711	9,037
Total non-interest expense	47,934	39,511
Net income before tax	26,077	18,453
Income tax expense	4,940	4,078
Net income	$21,137	$14,375
Basic earnings per common share	$2.27	$1.88
Diluted earnings per common share	$2.24	$1.85

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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.