First Community Bankshares is a regional community bank holding company headquartered in Bluefield, Virginia. It operates through its banking subsidiary, First Community Bank, offering retail and commercial banking — deposits, loans, and related financial services — to individuals and businesses across Virginia, West Virginia, North Carolina, and Tennessee. First Community operates 60 branches across these four states following its January 2026 acquisition of Hometown Bancshares. First Community earns money the way most banks do: by taking in deposits at a lower cost and lending or investing that money at a higher yield, earning the net interest spread. Key profitability drivers include loan and deposit volumes, the interest rate environment, and credit quality — the last of which is notable given First Community's exposure to regional economies that include coal mining and other cyclical industries. Beyond core banking, First Community offers wealth management and trust services through its Trust Division and First Community Wealth Management subsidiary, providing fee income that doesn't depend on interest rates. First Community's growth strategy combines organic growth within its existing footprint with acquisitions of smaller community banks in adjacent markets, a model that allows First Community to grow its balance sheet while achieving cost efficiencies by consolidating back-office functions.