First Community Bancshares, Inc. (NASDAQ:FCBC) is the bank holding company for First Community Bank, a community‐focused financial institution headquartered in Bluefield, Virginia. With a presence across southwestern Virginia, southern West Virginia and eastern Kentucky, the company provides retail and commercial banking services designed to support individuals, families and small to mid‐size businesses. First Community Bancshares emphasizes local decision‐making and personalized service through a network of full‐service branches, relationship managers and digital banking platforms.
The company’s product portfolio includes deposit accounts such as checking, savings, money market and certificates of deposit, as well as a variety of loan offerings ranging from residential mortgages and home equity lines of credit to commercial real estate, construction lending and agricultural financing. To complement its core banking business, First Community Bancshares offers treasury management solutions, merchant services, letters of credit and other cash‐management tools tailored to businesses. Wealth management capabilities encompass trust services, investment advisory and retirement planning, while the bank’s mortgage division handles origination and servicing for both purchase- and refinance-driven home loans.
Tracing its origins to a single community bank charter in the early 20th century, First Community Bancshares has grown through strategic de novo branch openings and targeted acquisitions that have expanded its geographic footprint and enhanced its product set. Throughout its history, the organization has maintained a focus on community reinvestment, supporting local economic development through small business lending, affordable housing initiatives and involvement in civic programs. Its deep roots in the region have fostered longstanding relationships with civic and business leaders across its markets.
Governance is overseen by a board of directors drawn from the communities served, while day-to-day operations are managed by an executive leadership team with expertise in retail banking, credit risk, finance and digital innovation. First Community Bancshares remains committed to balancing prudent risk management with customer-centric growth, leveraging its local insights and personalized approach to meet evolving financial needs. The company’s mission centers on building lasting relationships and contributing to the economic vitality of the region it serves.
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