HIGHBuilt-inLoan_portfolio
66.26%
commercial business and real estate loans
“10-K Item 1A: 'commercial business and real estate loans totaled $1.53 billion, or 66.26%, of our total loan portfolio'”
FCBC · Concentration risk · 10-K extracted
First Community Bankshares (FCBC) concentration risks
Updated
The most significant concentration First Community Bankshares discloses is commercial business and real estate loans at 66.26%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: First Community Bankshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM0
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
LOWBuilt-inLoan_portfolio
19.54%
uninsured deposits
“10-K Item 1A: 'As of December 31, 2025, approximately 19.54% of our deposits were uninsured and we rely on these deposits for liquidity.'”
LOWBuilt-inLoan_portfolio
2.76%
commercial construction loans
“10-K Item 1A: 'commercial construction loans totaled $63.90 million, or 2.76% our total loan portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06First Community Bankshares' concentration risk is structural and rooted in its balance sheet composition rather than any single counterparty. Commercial business and real estate loans totaled $1.53 billion, or 66.26%, of the total loan portfolio — a structural exposure disclosed at a high share, meaning roughly two-thirds of lending is concentrated in this category by design, typical of a community bank's business model but still a meaningful concentration to track through a credit cycle. Two smaller structural exposures round out the disclosure: approximately 19.54% of deposits were uninsured, which the bank relies on for liquidity, and commercial construction loans totaled $63.90 million, or 2.76%, of the total loan portfolio — both disclosed at a low share. None of these three exposures is dependency-type; all reflect how the bank's assets and funding are structured rather than reliance on a specific customer or supplier. The commercial business and real estate concentration is by far the most consequential of the three given its high disclosed share, while uninsured deposits and construction loans are comparatively minor contributors. Net, this is a conventional community-bank concentration profile: a loan book weighted toward commercial real estate and business lending, with modest secondary exposure through uninsured deposit reliance and construction lending.
For the engine’s reasoning on FCBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| FCBC● | First Community Bankshares, Inc | 1 | 0 | 2 | 3 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.