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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission file number: 000-19297

FIRST COMMUNITY BANKSHARES, INC.

(Exact name of registrant as specified in its charter)

Virginia

55-0694814

(State or other jurisdiction of incorporation or organization)

(IRS Employer Identification No.)

P.O. Box 989

Bluefield, Virginia

24605-0989

(Address of principal executive offices)

(Zip Code)

(276) 326-9000

(Registrant’s telephone number, including area code)

Not Applicable

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12 (b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock ($1.00 par value)	FCBC	NASDAQ Global Select

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

☑ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

☑ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐

Accelerated filer ☑

Non-accelerated filer ☐

Smaller reporting company ☐

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

☐ Yes ☑ No

As of July 25, 2025, there were 18,314,905 shares outstanding of the registrant’s Common Stock, $1.00 par value.

Table of Contents

FIRST COMMUNITY BANKSHARES, INC.
FORM 10-Q
INDEX

PART I.	FINANCIAL INFORMATION		Page

Item 1.	Financial Statements
		Condensed Consolidated Balance Sheets as of June 30, 2025 (Unaudited) and December 31, 2024	4
		Condensed Consolidated Statements of Income for the Three and Six Months Ended June 30, 2025 and 2024 (Unaudited)	5
		Condensed Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2025 and 2024 (Unaudited)	6
		Condensed Consolidated Statements of Changes in Stockholders’ Equity for the Three and Six Months Ended June 30, 2025 and 2024 (Unaudited)	7
		Condensed Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2025 and 2024 (Unaudited)	9
		Notes to Condensed Consolidated Financial Statements (Unaudited)	10
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations		36
Item 3.	Quantitative and Qualitative Disclosures About Market Risk		51
Item 4.	Controls and Procedures		51

PART II.	OTHER INFORMATION

Item 1.	Legal Proceedings		51
Item 1A.	Risk Factors		51
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds		52
Item 3.	Defaults Upon Senior Securities		52
Item 4.	Mine Safety Disclosures		52
Item 5.	Other Information		52
Item 6.	Exhibits		53

Signatures			55

Table of Contents

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

Forward-looking statements in filings with the Securities and Exchange Commission, including this Quarterly Report on Form 10-Q and the accompanying Exhibits, filings incorporated by reference, reports to shareholders, and other communications that represent the Company’s beliefs, plans, objectives, goals, guidelines, expectations, anticipations, estimates, and intentions are made in good faith pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are difficult to predict. The words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” and other similar expressions identify forward-looking statements. The following factors, among others, could cause financial performance to differ materially from that expressed in such forward-looking statements:

●

inflation, interest rate, market and monetary fluctuations;

	●	the strength of the U.S. economy in general and the strength of the local economies in which we conduct operations including tariffs or changes in trade policies;
	●	the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Federal Reserve System;

●

timely development of competitive new products and services and the acceptance of these products and services by new and existing customers;

●

the willingness of customers to substitute competitors’ products and services for the Company’s products and services and vice versa;

●

the impact of changes in financial services laws and regulations, including laws about taxes, banking, securities, and insurance;

●

the impact of the U.S. Department of the Treasury and federal banking regulators’ continued implementation of programs to address capital and liquidity in the banking system;

●

technological changes;

	●	the cost and effects of cyber incidents or other failures, interruptions, or security breaches of our systems or those of third-party providers;
	●	the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board, and other accounting standard setters;

●

the effect of acquisitions, including, without limitation, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions;

●

the sustainability of noninterest, or fee, income being less than expected;

●

unanticipated regulatory or judicial proceedings;

●

changes in consumer spending and saving habits; and

●

the Company’s success at managing the risks mentioned above.

This list of important factors is not exclusive. If one or more of the factors affecting these forward-looking statements proves incorrect, actual results, performance, or achievements could differ materially from those expressed in, or implied by, forward-looking statements contained in this Quarterly Report on Form 10-Q and other reports we file with the Securities and Exchange Commission. Therefore, the Company cautions you not to place undue reliance on forward-looking information and statements. The Company does not intend to update any forward-looking statements, whether written or oral, to reflect changes. These cautionary statements expressly qualify all forward-looking statements that apply to the Company including the risk factors presented in Part II, Item 1A, “Risk Factors,” of this Quarterly Report on Form 10-Q and Part I, Item 1A, “Risk Factors,” of the Company’s Annual Report on Form 10-K for the year ended December 31, 2024.

Table of Contents

PART I.

FINANCIAL INFORMATION

Item 1. Financial Statements

CONDENSED CONSOLIDATED BALANCE SHEETS

	*June 30,*			*December 31,*
	*2025*			*2024(1)*
(Amounts in thousands, except share and per share data)	(Unaudited)
Assets
Cash and due from banks	$	92,412		$	78,540
Federal funds sold		300,656			296,997
Interest-bearing deposits in banks		1,989			1,917
Total cash and cash equivalents		395,057			377,454
Debt securities available-for-sale, at fair value		132,535			169,849
Loans held for investment, net of unearned income		2,353,277			2,416,089
Allowance for credit losses		(33,020	)		(34,825	)
Loans held for investment, net		2,320,257			2,381,264
Premises and equipment, net		48,023			48,735
Other real estate owned		455			521
Interest receivable		8,787			9,207
Goodwill		143,946			143,946
Other intangible assets		11,964			13,014
Other assets		119,990			117,226
Total assets	$	3,181,014		$	3,261,216

Liabilities
Deposits
Noninterest-bearing	$	873,677		$	883,499
Interest-bearing		1,761,687			1,807,748
Total deposits		2,635,364			2,691,247
Securities sold under agreements to repurchase		1,016			906
Interest, taxes, and other liabilities		41,805			42,671
Total liabilities		2,678,185			2,734,824

Stockholders' equity
Preferred stock, undesignated par value; 1,000,000 shares authorized; Series A Noncumulative Convertible Preferred Stock, $0.01 par value; 25,000 shares authorized; none outstanding		-			-
Common stock, $1 par value; 50,000,000 shares authorized; 27,639,015 shares issued and 18,311,232 outstanding at June 30, 2025; 27,599,240 shares issued and 18,321,795 outstanding at December 31, 2024		18,311			18,322
Additional paid-in capital		169,358			169,752
Retained earnings		324,307			349,489
Accumulated other comprehensive loss		(9,147	)		(11,171	)
Total stockholders' equity		502,829			526,392
Total liabilities and stockholders' equity	$	3,181,014		$	3,261,216

(1) Derived from audited financial statements

See Notes to Condensed Consolidated Financial Statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

	*Three Months Ended*					*Six Months Ended*
	*June 30,*					*June 30,*
(Amounts in thousands, except share and per share data)	*2025*			*2024*		*2025*		*2024*
Interest income
Interest and fees on loans	$	30,637		$	32,696	$	61,306	$	66,114
Interest on securities -- taxable		945			1,089		2,092		2,652
Interest on securities -- tax-exempt		84			122		175		257
Interest on deposits in banks		3,722			2,882		6,984		3,795
Total interest income		35,388			36,789		70,557		72,818
Interest expense
Interest on deposits		4,731			4,877		9,602		9,242
Interest on short-term borrowings		-			-		-		35
Total interest expense		4,731			4,877		9,602		9,277
Net interest income		30,657			31,912		60,955		63,541
(Recovery of) provision for credit losses		(285	)		144		36		1,155
Net interest income after provision for credit losses		30,942			31,768		60,919		62,386
Noninterest income
Wealth management		1,222			1,064		2,384		2,163
Service charges on deposits		4,120			3,428		7,956		6,738
Other service charges and fees		3,791			3,670		7,131		7,120
Other operating income		1,207			1,180		3,098		2,580
Total noninterest income		10,340			9,342		20,569		18,601
Noninterest expense
Salaries and employee benefits		14,349			12,491		27,684		25,072
Occupancy expense		1,290			1,309		2,866		2,687
Furniture and equipment expense		1,587			1,687		3,162		3,232
Service fees		2,475			2,427		4,959		4,876
Advertising and public relations		1,154			933		2,209		1,729
Professional fees		360			330		732		702
Amortization of intangibles		526			530		1,050		1,060
FDIC premiums and assessments		361			364		723		733
Litigation expense		-			1,800		-		1,800
Other operating expense		3,353			3,026		7,014		6,392
Total noninterest expense		25,455			24,897		50,399		48,283
Income before income taxes		15,827			16,213		31,089		32,704
Income tax expense		3,581			3,527		7,025		7,173
Net income	$	12,246		$	12,686	$	24,064	$	25,531

Earnings per common share
Basic	$	0.67		$	0.69	$	1.31	$	1.39
Diluted		0.67			0.71		1.31		1.42
Weighted average shares outstanding
Basic		18,295,465			18,343,958		18,310,032		18,410,043
Diluted		18,400,793			18,409,876		18,427,503		18,475,110

See Notes to Condensed Consolidated Financial Statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

	*Three Months Ended*						*Six Months Ended*
	*June 30,*						*June 30,*
	*2025*			*2024*			*2025*			*2024*
(Amounts in thousands)
Net income	$	12,246		$	12,686		$	24,064		$	25,531
Other comprehensive income (loss), before tax
Available-for-sale debt securities:
Change in net unrealized (losses) gains on debt securities		455			(654	)		2,563			(1,852	)
Net unrealized (losses) gains on available-for-sale debt securities		455			(654	)		2,563			(1,852	)
Employee benefit plans:
Net actuarial gain (loss)		16			(9	)		11			(18	)
Reclassification adjustment for amortization of prior service cost and net actuarial loss recognized in net income		(16	)		9			(11	)		18
Net unrealized gains (losses) on employee benefit plans		-			-			-			-
Other comprehensive (loss) income, before tax		455			(654	)		2,563			(1,852	)
Income tax expense (benefit) expense		97			(139	)		539			(389	)
Other comprehensive gain (loss), net of tax		358			(515	)		2,024			(1,463	)
Total comprehensive income	$	12,604		$	12,171		$	26,088		$	24,068

See Notes to Condensed Consolidated Financial Statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED)

THREE MONTHS ENDED

June 30, 2025 and 2024


																	*Accumulated*
	*Preferred*				*Common*						*Additional*						*Other*
(Amounts in thousands, except share and per share data)	*Stock Outstanding*		*Preferred Stock*		*Stock Outstanding*			*Common Stock*			*Paid-in Capital*			*Retained Earnings*			*Comprehensive Loss*			*Total*

Balance April 1, 2024		-	$	-		18,413,088		$	18,413		$	173,041		$	327,389		$	(11,899	)	$	506,944
Net income		-		-		-			-			-			12,686			-			12,686
Other comprehensive loss		-		-		-			-			-			-			(515	)		(515	)
Common dividends declared -- $0.29 per share		-		-		-			-			-			(5,319	)		-			(5,319	)
Equity-based compensation expense		-		-		9,204			9			313			-			-			322
Common stock options exercised		-		-		3,025			3			39			-			-			42
Repurchase of common shares at $34.03 per share		-		-		(155,044	)		(155	)		(5,121	)		-			-			(5,276	)
Balance June 30, 2024		-	$	-		18,270,273		$	18,270		$	168,272		$	334,756		$	(12,414	)	$	508,884

Balance April 1, 2025		-	$	-		18,326,657		$	18,327		$	169,867		$	317,728		$	(9,505	)	$	496,417
Net income		-		-		-			-			-			12,246			-			12,246
Other comprehensive income		-		-		-			-			-			-			358			358
Common dividends declared -- $0.31 per share		-		-		-			-			-			(5,667	)		-			(5,667	)
Equity-based compensation expense		-		-		34,913			34			1,292			-			-			1,326
Common stock options exercised		-		-		-			-			-			-			-			-
Repurchase of common shares at $36.80 per share		-		-		(50,338	)		(50	)		(1,801	)		-			-			(1,851	)
Balance June 30, 2025		-	$	-	$	18,311,232		$	18,311		$	169,358		$	324,307		$	(9,147	)	$	502,829

See Notes to Condensed Consolidated Financial Statements.

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CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED)

SIX MONTHS ENDED

June 30, 2025 and 2024


																	*Accumulated*
	*Preferred*				*Common*						*Additional*						*Other*
(Amounts in thousands, except share and per share data)	*Stock Outstanding*		*Preferred Stock*		*Stock Outstanding*			*Common Stock*			*Paid-in Capital*			*Retained Earnings*			*Comprehensive Loss*			*Total*
Balance January 1, 2024		-	$	-		18,502,396		$	18,502		$	175,841		$	319,902		$	(10,951	)	$	503,294
Net income		-		-		-			-			-			25,531			-			25,531
Other comprehensive loss		-		-		-			-			-			-			(1,463	)		(1,463	)
Common dividends declared -- $0.58 per share		-		-		-			-			-			(10,677	)		-			(10,677	)
Equity-based compensation expense		-		-		9,204			9			394			-			-			403
Common stock options exercised		-		-		3,025			3			39			-			-			42
Issuance of common stock to 401(k) plan		-		-		88			-			3			-			-			3
Repurchase of common shares at $33.75 per share		-		-		(244,440	)		(244	)		(8,005	)		-			-			(8,249	)
Balance June 30, 2024		-	$	-		18,270,273		$	18,270		$	168,272		$	334,756		$	(12,414	)	$	508,884

Balance January 1, 2025		-	$	-		18,321,795		$	18,322		$	169,752		$	349,489		$	(11,171	)	$	526,392
Net income		-		-		-			-			-			24,064			-			24,064
Other comprehensive income		-		-		-			-			-			-			2,024			2,024
Common dividends declared -- $0.62 per share and special dividend $2.07 per share		-		-		-			-			-			(49,246	)		-			(49,246	)
Equity-based compensation expense		-		-		34,913			34			1,292			-			-			1,326
Common stock options exercised		-		-		4,877			5			115			-			-			120
Issuance of common stock to 401(k) plan		-		-		(15	)		-			-			-			-			-
Repurchase of common shares at $36.80 per share		-		-		(50,338	)		(50	)		(1,801	)		-			-			(1,851	)
Balance June 30, 2025		-	$	-		18,311,232		$	18,311		$	169,358		$	324,307		$	(9,147	)	$	502,829

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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

	*Six Months Ended*
	*June 30,*
(Amounts in thousands)	*2025*			*2024*
Operating activities
Net income	$	24,064		$	25,531
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses for loans		36			1,155
Depreciation and amortization of premises and equipment		1,998			2,224
Accretion of discounts on investments		(473	)		(329	)
Amortization of intangible assets		1,050			1,060
Accretion on acquired loans		(986	)		(1,443	)
Equity-based compensation expense		1,326			403
Issuance of common stock to 401(k) plan		-			3
Loss on sale of premises and equipment, net		4			8
Loss on sale of other real estate owned		93			32
Decrease in accrued interest receivable		420			897
(Decrease) increase in other operating activities		(4,100	)		1,843
Net cash provided by operating activities		23,432			31,384
Investing activities
Proceeds from maturities, prepayments, and calls of securities available-for-sale		90,453			155,005
Payments to acquire securities available-for-sale		(50,105	)		(5,252	)
Net decrease in loans		61,744			97,437
Proceeds from the sale of FHLB stock, net		29			265
Proceeds from bank owned life insurance		-			585
Proceeds from sale of premises and equipment		-			13
Payments to acquire premises and equipment		(1,364	)		(2,150	)
Proceeds from sale of other real estate owned		164			332
Net cash provided by investing activities		100,921			246,235
Financing activities
Decrease in noninterest-bearing deposits, net		(9,822	)		(42,458	)
Decrease in interest-bearing deposits, net		(46,061	)		(2,595	)
Increase (decrease) in securities sold under agreements to repurchase, net		110			(225	)
Proceeds from stock options exercised		120			42
Payments for repurchase of common stock		(1,851	)		(8,249	)
Payments of common dividends		(49,246	)		(10,677	)
Net cash used in financing activities		(106,750	)		(64,162	)
Net increase in cash and cash equivalents		17,603			213,457
Cash and cash equivalents at beginning of period		377,454			116,420
Cash and cash equivalents at end of period	$	395,057		$	329,877

Supplemental disclosure -- cash flow information
Cash paid for interest	$	7,976		$	9,021
Cash paid for income taxes		7,520			6,056

Supplemental transactions -- noncash items
Transfer of loans to other real estate owned		191			272
Increase (decrease) in other comprehensive income (loss), net of taxes		2,024			(1,463	)

See Notes to Condensed Consolidated Financial Statements.

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NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

Note 1. Basis of Presentation

General

First Community Bankshares, Inc. (the “Company”), a financial holding company, was founded in 1989 and reincorporated under the laws of the Commonwealth of Virginia. The Company’s principal executive office is located in Bluefield, Virginia. The Company provides banking products and services to individual and commercial customers through its wholly owned subsidiary First Community Bank (the “Bank”), a Virginia-chartered banking institution founded in 1874. The Bank offers wealth management and investment advice through its Trust Division and wholly owned subsidiary First Community Wealth Management. Unless the context suggests otherwise, the terms “First Community,” “Company,” “we,” “our,” and “us” refer to First Community Bankshares, Inc. and its subsidiaries as a consolidated entity.

Principles of Consolidation

The Company’s accounting and reporting policies conform with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. The consolidated financial statements include all accounts of the Company and its wholly owned subsidiaries and eliminate all intercompany balances and transactions. The Company operates in one business segment, Community Banking, which consists of all operations, including commercial and consumer banking, lending activities, and wealth management. Operating results for interim periods are not necessarily indicative of results that may be expected for other interim periods or for the full year. In management’s opinion, the accompanying unaudited interim condensed consolidated financial statements contain all necessary adjustments, including normal recurring accruals, and disclosures for a fair presentation.

These unaudited interim condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 (the “2024 Form 10-K”), as filed with the Securities and Exchange Commission (the “SEC”) on March 7, 2025. The condensed consolidated balance sheet as of December 31, 2024, has been derived from the audited consolidated financial statements.

Reclassifications

Certain amounts reported in prior years have been reclassified to conform to the current year’s presentation. These reclassifications had no effect on the Company’s results of operations, financial position, or net cash flow.

Use of Estimates

Preparation of the condensed consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Significant Accounting Policies

The Company’s significant accounting policies are included in Note 1, “Basis of Presentation and Significant Accounting Policies,” of the Notes to Consolidated Financial Statements in Part II, Item 8 of the Company’s 2024 Form 10-K.

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Recent Accounting Standards

Standards Adopted

In November 2023, the FASB issued ASU No. 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures". The amendment requires companies to disclose significant segment expenses that are regularly provided to the chief operating decision maker. This ASU became effective for the Company on December 31, 2024. The Company has one reportable segment and as such, adoption of ASU No. 2023-07 did not have a material impact on the Company's financial statements.

Standards Not Yet Adopted

In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740).” The amendments in this ASU are related to the rate reconciliation and income taxes paid disclosures and are designed to improve the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. The ASU is effective for annual periods beginning after December 31, 2024, and will be applied on a prospective basis with the option to apply the standard retrospectively. The adoption of the ASU has no material impact on the Company's financial statements. The adoption of the ASU is not expected to have a material impact on the Company's financial statements but will affect our income tax disclosures.

In November 2024, the FASB issued ASU No. 2024-03, "Expense Disaggregation Disclosures (Topic 230): Disaggregation of Income Statement Expenses". The amendment requires disclosure of disaggregated information about specific expense categories underlying certain income statement expense line items. This ASU will become effective for the Company on December 31, 2027. The Company does not expect this ASU to have a material impact on the consolidated financial statements.

The Company does not expect other recent accounting standards issued by the FASB or other standards-setting bodies to have a material impact on the consolidated financial statements.

Note 2. Debt Securities

The following tables present the amortized cost and fair value of available-for-sale debt securities, including gross unrealized gains and losses, as of the dates indicated:

	*June 30, 2025*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
	*Cost*		*Gains*		*Losses*			*Value*
(Amounts in thousands)
U.S. Treasury securities	$	10,915	$	-	$	(3	)	$	10,912
Municipal securities		11,916		2		(61	)		11,857
Corporate notes		27,615		-		(598	)		27,017
Agency mortgage-backed securities		94,364		172		(11,787	)		82,749
Total	$	144,810	$	174	$	(12,449	)	$	132,535

	*December 31, 2024*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
	*Cost*		*Gains*		*Losses*			*Value*
(Amounts in thousands)
U.S. Treasury securities	$	55,760	$	10	$	(1	)	$	55,769
Municipal securities		13,949		2		(114	)		13,837
Corporate notes		28,598		—		(1,056	)		27,542
Agency mortgage-backed securities		86,380		—		(13,679	)		72,701
Total	$	184,687	$	12	$	(14,850	)	$	169,849

There was no allowance for credit losses for debt securities as of June 30, 2025 and December 31, 2024; therefore, it is not presented in the table above. The Company excludes the accrued interest receivable from the amortized cost basis in measuring expected credit losses on the debt securities and does not record an allowance for credit losses on accrued interest receivable. Accrued interest receivable for debt securities was $661 thousand and $694 thousand as of June 30, 2025, and December 31, 2024, respectively.

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The following table presents the amortized cost and aggregate fair value of available-for-sale debt securities by contractual maturity, as of the date indicated. Actual maturities could differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties.

	*June 30, 2025*
	*Amortized*
(Amounts in thousands)	*Cost*		*Fair Value*
Available-for-sale debt securities
Due within one year	$	23,181	$	23,087
Due after one year but within five years		27,265		26,699
Due after five years but within ten years		-		-
		50,446		49,786
Agency mortgage-backed securities		94,364		82,749
Total debt securities available-for-sale	$	144,810	$	132,535

The following tables present the fair values and unrealized losses for available-for-sale debt securities in a continuous unrealized loss position for less than 12 months and for 12 months or longer as of the dates indicated:

	*June 30, 2025*
	*Less than 12 Months*					*12 Months or Longer*					*Total*
	*Fair*		*Unrealized*			*Fair*		*Unrealized*			*Fair*		*Unrealized*
	*Value*		*Losses*			*Value*		*Losses*			*Value*		*Losses*
(Amounts in thousands)
U.S. Treasury securities	$	10,912	$	(3	)	$	-	$	-		$	10,912	$	(3	)
Municipal securities		2,804		(6	)		5,563		(55	)		8,367		(61	)
Corporate notes		-		-			27,061		(598	)		27,061		(598	)
Agency mortgage-backed securities		4,115		(19	)		66,821		(11,768	)		70,936		(11,787	)
Total	$	17,831	$	(28	)	$	99,445	$	(12,421	)	$	117,276	$	(12,449	)

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	*December 31, 2024*
	*Less than 12 Months*					*12 Months or Longer*					*Total*
	*Fair*		*Unrealized*			*Fair*		*Unrealized*			*Fair*		*Unrealized*
	*Value*		*Losses*			*Value*		*Losses*			*Value*		*Losses*
(Amounts in thousands)
U.S. Treasury securities	$	4,984	$	(1	)	$	-	$	-		$	4,984	$	(1	)
Municipal securities		3,914		(16	)		6,638		(98	)		10,552		(114	)
Corporate notes		—		—			27,542		(1,056	)		27,542		(1,056	)
Agency mortgage-backed securities		4,100		(81	)		68,601		(13,598	)		72,701		(13,679	)
Total	$	12,998	$	(98	)	$	102,781	$	(14,752	)	$	115,779	$	(14,850	)

There were 96 individual debt securities in an unrealized loss position as of June 30, 2025, and the combined depreciation in value represented 9.39% of the debt securities portfolio. There were 103 individual debt securities in an unrealized loss position as of December 31, 2024, and their combined depreciation in value represented 8.74% of the debt securities portfolio.

Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses and the creation of an allowance for credit losses. Consideration is given to (1) the financial condition and near-term prospects of the issuer including looking at default and delinquency rates, (2) the outlook for receiving the contractual cash flows of the investments, (3) the length of time and the extent to which the fair value has been less than cost, (4) our intent and ability to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value or for a debt security whether it is more-likely-than-not that we will be required to sell the debt security prior to recovering its fair value, (5) the anticipated outlook for changes in the general level of interest rates, (6) credit ratings, (7) third party guarantees, and (8) collateral values. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, the results of reviews of the issuer’s financial condition, and the issuer’s anticipated ability to pay the contractual cash flows of the investments. All of the U.S. Treasury and Agency-Backed Securities have the full faith and credit backing of the United State Government or one of its agencies. Municipal securities and all other securities that do not have a zero expected credit loss are evaluated quarterly to determine whether there is a credit loss associated with a decline in fair value. All debt securities available-for-sale in an unrealized loss position as of June 30, 2025, continue to perform as scheduled and we do not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of our evaluation of our intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, we consider our investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. We do not currently intend to sell the securities within the portfolio, and it is not more-likely-than-not that we will be required to sell the debt securities.

Management continues to monitor all of our securities with a high degree of scrutiny. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.

There were no available-for-sale securities sold during the first six months of 2025 or 2024.

The carrying amount of securities pledged for various purposes totaled $28.32 million as of June 30, 2025, and $24.64 million as of December 31, 2024.

Note 3. Loans

The Company groups loans held for investment into three segments (commercial loans, consumer real estate loans, and consumer and other loans) with each segment divided into various classes. Customer overdrafts reclassified as loans totaled $2.34 million as of June 30, 2025, and $1.82 million as of December 31, 2024. Deferred loan fees, net of loan costs, totaled $6.20 million as of June 30, 2025, and $6.60 million as of December 31, 2024.

In accordance with the adoption of ASU 2016-13, the table below reflects the loan portfolio at the amortized cost basis to include net deferred loan fees of $6.20 million and $6.60 million and unamortized discount related to loans acquired of $11.40 million and $12.39 million for June 30, 2025, and December 31, 2024, respectively. Accrued interest receivable of $8.13 million as of June 30, 2025, and $8.51 million as of December 31, 2024, is accounted for separately and reported in Interest Receivable on the Consolidated Balance Sheet.

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	*June 30, 2025*					*December 31, 2024*
(Amounts in thousands)	*Amount*		*Percent*			*Amount*		*Percent*
Loans held for investment
Commercial loans
Construction, development, other land	$	64,441		2.74	%	$	72,319		2.99	%
Commercial and industrial		249,674		10.61	%		232,854		9.64	%
Multi-family residential		189,267		8.04	%		199,521		8.26	%
Single family non-owner occupied		185,042		7.86	%		195,588		8.10	%
Non-farm, non-residential		840,642		35.73	%		852,223		35.27	%
Agricultural		14,077		0.60	%		16,676		0.69	%
Farmland		11,170		0.47	%		12,311		0.51	%
Total commercial loans		1,554,313		66.05	%		1,581,492		65.46	%
Consumer real estate loans
Home equity lines		84,629		3.60	%		90,227		3.73	%
Single family owner occupied		634,898		26.98	%		650,306		26.92	%
Owner occupied construction		4,775		0.20	%		4,491		0.19	%
Total consumer real estate loans		724,302		30.78	%		745,024		30.84	%
Consumer and other loans
Consumer loans		72,325		3.07	%		87,758		3.63	%
Other		2,337		0.10	%		1,815		0.08	%
Total consumer and other loans		74,662		3.17	%		89,573		3.71	%
Total loans held for investment, net of unearned income	$	2,353,277		100.00	%	$	2,416,089		100.00	%

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Note 4. Credit Quality

The Company uses a risk grading matrix to assign a risk grade to each loan in its portfolio. Loan risk ratings may be upgraded or downgraded to reflect current information identified during the loan review process. The general characteristics of each risk grade are as follows:

●

Pass -- This grade is assigned to loans with acceptable credit quality and risk. The Company further segments this grade based on borrower characteristics that include capital strength, earnings stability, liquidity, leverage, and industry conditions.

●

Special Mention -- This grade is assigned to loans that require an above average degree of supervision and attention. These loans have the characteristics of an asset with acceptable credit quality and risk; however, adverse economic or financial conditions exist that create potential weaknesses deserving of management’s close attention. If potential weaknesses are not corrected, the prospect of repayment may worsen.

●

Substandard -- This grade is assigned to loans that have well defined weaknesses that may make payment default, or principal exposure, possible. These loans will likely be dependent on collateral liquidation, secondary repayment sources, or events outside the normal course of business to meet repayment terms.

●

Doubtful -- This grade is assigned to loans that have the weaknesses inherent in substandard loans; however, the weaknesses are so severe that collection or liquidation in full is unlikely based on current facts, conditions, and values. Due to certain specific pending factors, the amount of loss cannot yet be determined.

●

Loss -- This grade is assigned to loans that will be charged off or charged down when payments, including the timing and value of payments, are uncertain. This risk grade does not imply that the asset has no recovery or salvage value, but simply means that it is not practical or desirable to defer writing off, either all or a portion of, the loan balance even though partial recovery may be realized in the future.

The following table presents the recorded investment of the loan portfolio, by loan class and credit quality, as of the dates indicated:

	*June 30, 2025*
			*Special*
(Amounts in thousands)	*Pass*		*Mention*		*Substandard*		*Doubtful*		*Loss*		*Total*
Commercial loans
Construction, development, and other land	$	63,881	$	128	$	432	$	-	$	-	$	64,441
Commercial and industrial		245,471		722		3,481		-		-		249,674
Multi-family residential		189,083		43		141		-		-		189,267
Single family non-owner occupied		176,925		1,524		6,593		-		-		185,042
Non-farm, non-residential		821,450		11,309		7,883		-		-		840,642
Agricultural		9,301		3,052		1,724		-		-		14,077
Farmland		9,867		242		1,061		-		-		11,170
Consumer real estate loans
Home equity lines		81,443		420		2,766		-		-		84,629
Single family owner occupied		613,347		1,596		19,955		-		-		634,898
Owner occupied construction		4,775		-		-		-		-		4,775
Consumer and other loans
Consumer loans		70,895		-		1,430		-		-		72,325
Other		2,337		-		-		-		-		2,337
Total loans	$	2,288,775	$	19,036	$	45,466	$	-	$	-	$	2,353,277

	*December 31, 2024*
			*Special*
(Amounts in thousands)	*Pass*		*Mention*		*Substandard*		*Doubtful*		*Loss*		*Total*

Commercial loans
Construction, development, and other land	$	69,290	$	133	$	2,896	$	—	$	—	$	72,319
Commercial and industrial		227,108		2,045		3,701		—		—		232,854
Multi-family residential		194,865		3,319		1,337		—		—		199,521
Single family non-owner occupied		187,762		1,701		6,125		—		—		195,588
Non-farm, non-residential		831,821		12,572		7,830		—		—		852,223
Agricultural		11,144		3,589		1,943		—		—		16,676
Farmland		10,729		430		1,152		—		—		12,311
Consumer real estate loans
Home equity lines		86,908		476		2,843		—		—		90,227
Single family owner occupied		627,853		2,047		20,406		—		—		650,306
Owner occupied construction		4,491		—		—		—		—		4,491
Consumer and other loans
Consumer loans		86,177		—		1,581		—		—		87,758
Other		1,815		—		—		—		—		1,815
Total loans	$	2,339,963	$	26,312	$	49,814	$	—	$	—	$	2,416,089

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The following tables present the amortized cost basis and current period gross write-offs of the loan portfolio, by year of origination, loan class, and credit quality, as of the date indicated:

(Amounts in thousands)	*Term Loans Amortized Cost Basis by Origination Year*
Balance at June 30, 2025	*2025*		*2024*		*2023*		*2022*		*2021*		*Prior*		*Revolving*		*Total*
Construction, development and other land
Pass	$	803	$	10,226	$	3,344	$	31,581	$	12,028	$	5,298	$	601	$	63,881
Special mention		-		-		-		-		-		128		-		128
Substandard		-		163		110		-		-		159		-		432
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	803	$	10,389	$	3,454	$	31,581	$	12,028	$	5,585	$	601	$	64,441
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial and industrial
Pass	$	38,675	$	62,418	$	28,397	$	43,609	$	8,668	$	16,516	$	47,188	$	245,471
Special mention		139		86		-		92		-		132		273		722
Substandard		81		324		413		1,047		416		1,200		-		3,481
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	38,895	$	62,828	$	28,810	$	44,748	$	9,084	$	17,848	$	47,461	$	249,674
Current period gross write-offs	$	-	$	56	$	63	$	79	$	22	$	393	$	-	$	613
Multi-family residential
Pass	$	1,884	$	756	$	11,301	$	71,460	$	39,809	$	62,930	$	943	$	189,083
Special mention		-		-		-		-		-		43		-		43
Substandard		-		-		-		100		-		41		-		141
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	1,884	$	756	$	11,301	$	71,560	$	39,809	$	63,014	$	943	$	189,267
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Non-farm, non-residential
Pass	$	29,874	$	38,357	$	72,435	$	216,826	$	130,953	$	322,490	$	10,515	$	821,450
Special mention		-		151		-		2,726		3,744		4,688		-		11,309
Substandard		179		282		81		305		2,595		4,028		413		7,883
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	30,053	$	38,790	$	72,516	$	219,857	$	137,292	$	331,206	$	10,928	$	840,642
Current period gross write-offs	$	-	$	-	$	-	$	56	$	-	$	16	$	-	$	72
Agricultural
Pass	$	260	$	547	$	2,733	$	2,286	$	1,026	$	1,816	$	633	$	9,301
Special mention		-		-		-		245		149		2,658		-		3,052
Substandard		-		-		344		127		16		1,237		-		1,724
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	260	$	547	$	3,077	$	2,658	$	1,191	$	5,711	$	633	$	14,077
Current period gross write-offs	$	-	$	-	$	-	$	10	$	-	$	-	$	-	$	10
Farmland
Pass	$	155	$	846	$	915	$	989	$	1,302	$	4,457	$	1,203	$	9,867
Special mention		-		-		-		-		97		145		-		242
Substandard		-		-		-		-		-		1,061		-		1,061
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	155	$	846	$	915	$	989	$	1,399	$	5,663	$	1,203	$	11,170
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Table of Contents

(Amounts in thousands)	*Term Loans Amortized Cost Basis by Origination Year*
Balance at June 30, 2025	*2025*		*2024*		*2023*		*2022*		*2021*		*Prior*		*Revolving*		*Total*
Home equity lines
Pass	$	353	$	77	$	120	$	981	$	147	$	3,833	$	75,932	$	81,443
Special mention		-		-		-		-		-		86		334		420
Substandard		-		-		-		171		-		1,747		848		2,766
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	353	$	77	$	120	$	1,152	$	147	$	5,666	$	77,114	$	84,629
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	28	$	28
Single family Mortgage
Pass	$	19,653	$	16,937	$	46,247	$	146,259	$	195,012	$	365,095	$	1,069	$	790,272
Special mention		-		-		-		-		535		2,585		-		3,120
Substandard		29		30		856		2,895		1,493		21,245		-		26,548
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	19,682	$	16,967	$	47,103	$	149,154	$	197,040	$	388,925	$	1,069	$	819,940
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Owner occupied construction
Pass	$	462	$	3,817	$	27	$	50	$	156	$	263	$	-	$	4,775
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	462	$	3,817	$	27	$	50	$	156	$	263	$	-	$	4,775
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer loans
Pass	$	9,923	$	13,860	$	15,318	$	17,369	$	6,881	$	2,219	$	7,662	$	73,232
Special mention		-		-		-		-		-		-		-		-
Substandard		-		63		286		433		302		315		31		1,430
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	9,923	$	13,923	$	15,604	$	17,802	$	7,183	$	2,534	$	7,693	$	74,662
Current period gross write-offs	$	874	$	370	$	499	$	594	$	236	$	67	$	143	$	2,783

(Amounts in thousands)	*Term Loans Amortized Cost Basis by Origination Year*
Balance at June 30, 2025	*2025*		*2024*		*2023*		*2022*		*2021*		*Prior*		*Revolving*		*Total*
Total loans
Pass	$	102,042	$	147,841	$	180,837	$	531,410	$	395,982	$	784,917	$	145,746	$	2,288,775
Special mention		139		237		-		3,063		4,525		10,465		607		19,036
Substandard		289		862		2,090		5,078		4,822		31,033		1,292		45,466
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total loans	$	102,470	$	148,940	$	182,927	$	539,551	$	405,329	$	826,415	$	147,645	$	2,353,277
Current period gross write-offs	$	874	$	426	$	562	$	739	$	258	$	477	$	171	$	3,507

Table of Contents

(Amounts in thousands)	*Term Loans Amortized Cost Basis by Origination Year*
Balance at December 31, 2024	*2024*		*2023*		*2022*		*2021*		*2020*		*Prior*		*Revolving*		*Total*
Construction, development
and other land
Pass	$	9,806	$	7,378	$	33,423	$	12,495	$	1,948	$	3,589	$	651	$	69,290
Special Mention		-		-		-		-		65		68		-		133
Substandard		164		2,418		-		-		11		303				2,896
Doubtful		-		-		-		-		-		-				-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	9,970	$	9,796	$	33,423	$	12,495	$	2,024	$	3,960	$	651	$	72,319
Current period gross write-offs	$	-	$	-	$	-	$	-	$	1	$	8	$	-	$	9
Commercial and industrial
Pass	$	71,241	$	34,794	$	50,214	$	11,973	$	7,332	$	12,265	$	39,289	$	227,108
Special Mention		5		-		35		82		-		1,584		339		2,045
Substandard		193		404		831		457		465		1,351		-		3,701
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	71,439	$	35,198	$	51,080	$	12,512	$	7,797	$	15,200	$	39,628	$	232,854
Current period gross write-offs	$	24	$	95	$	351	$	48	$	34	$	2	$	-	$	554
Multi-family residential
Pass	$	775	$	10,084	$	73,633	$	42,533	$	28,855	$	36,150	$	2,835	$	194,865
Special Mention		-		-		-		-		-		3,319				3,319
Substandard		-		-		1,285		-		-		52				1,337
Doubtful		-		-		-		-		-		-				-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	775	$	10,084	$	74,918	$	42,533	$	28,855	$	39,521	$	2,835	$	199,521
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Non-farm, non-residential
Pass	$	40,054	$	76,285	$	226,217	$	140,911	$	104,728	$	235,001	$	8,625	$	831,821
Special Mention		154		-		565		1,758		-		10,095		-		12,572
Substandard		-		593		285		1,882		872		3,885		313		7,830
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-				-
Total non-farm, non-residential	$	40,208	$	76,878	$	227,067	$	144,551	$	105,600	$	248,981	$	8,938	$	852,223
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	29	$	-	$	29
Agricultural
Pass	$	646	$	3,168	$	2,723	$	1,561	$	245	$	1,754	$	1,047	$	11,144
Special Mention		-		-		256		161		3		3,169				3,589
Substandard		-		429		166		25		79		1,244				1,943
Doubtful		-		-		-		-		-		-				-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	646	$	3,597	$	3,145	$	1,747	$	327	$	6,167	$	1,047	$	16,676
Current period gross write-offs	$	-	$	115	$	96	$	19	$	-	$	-	$	-	$	230
Farmland
Pass	$	861	$	1,175	$	1,052	$	1,389	$	665	$	4,429	$	1,158	$	10,729
Special Mention		-		-		-		99		-		331				430
Substandard		-		-		-		-		142		1,010				1,152
Doubtful		-		-		-		-		-		-				-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	861	$	1,175	$	1,052	$	1,488	$	807	$	5,770	$	1,158	$	12,311
Current period gross write-offs	$	-	$	-	$

FIRST COMMUNITY BANKSHARES INC /VA/ 10-Q