--- title: "First Community Risk Monitoring" description: "First Community Corporation financial risk indicators from its SEC filings (leverage, liquidity, interest coverage, debt load) compared with peers." canonical: https://www.getswoopr.com/stocks/companies/first-community-corporation/risks-monitoring/ source: "Swoopr Investment: https://www.getswoopr.com" --- # First Community Corporation Risks & Monitoring Guide ## Direct Answer > First Community Corporation's fiscal 2025 filings show liabilities equal 92% of assets. These figures measure financial risk only; the business risks First Community Corporation itself considers material are listed under Item 1A, Risk Factors, of its Form 10-K, most recently filed March 16, 2026. ## What Do First Community Corporation's Financial Risk Indicators Show? | Indicator (fiscal 2025) | First Community Corporation | Peer median (same SIC code) | What it measures | | --- | --- | --- | --- | | Liabilities to assets | 92% | 89% | How much of the balance sheet is funded by obligations rather than equity. | | Current ratio | n/a | n/a | Short-term assets per dollar of obligations due within a year. | | Interest coverage | n/a | n/a | Operating income per dollar of interest expense. | | Long-term debt to operating cash flow | n/a | 1.5x | Years of operating cash flow it would take to repay long-term debt. | | Net debt | Not reported | n/a | Long-term debt minus cash; negative means more cash than long-term debt. | The peer median uses 51 other companies in Swoopr's S&P 500 Equal Weight set that share the same SEC SIC code. A reading worse than the peer median is a prompt to read the filing, not a conclusion. ![Bar chart of First Community Corporation balance sheet at the end of fiscal 2025: total assets $2.1 billion, total liabilities $1.9 billion, shareholders' equity $168 million, cash and equivalents $161 million.](https://www.getswoopr.com/images/charts/first-community-corporation-risks-balance-sheet.webp) *First Community Corporation balance sheet items at the end of fiscal 2025, from the figures in the table above. Long-term debt is highlighted. Select the chart to open it full size.* ## Where Are First Community Corporation's Official Risk Factors? The risks First Community Corporation considers material are disclosed in Item 1A of its Form 10-K, most recently [filed March 16, 2026](https://www.sec.gov/Archives/edgar/data/932781/000155278126000126/e26095_fcco-10k.htm). Read them with three questions in mind: which risks are specific to this company rather than generic, which have changed since the prior year's filing, and which connect to the figures above (a refinancing risk matters more when interest coverage is thin). ## Where These Numbers Come From Every figure on this page is a value First Community Corporation reported in its own SEC filings, read from the SEC's XBRL data (accession 0001552781-26-000126 for fiscal year 2025). Ratios are computed from those reported values. Figures were retrieved on October 7, 2026; a later amendment or a new annual report can change them, and the filing itself always takes precedence over this summary. Each fiscal year is labeled by the calendar year in which it ended, so a company that names the same period differently in its own filings (many retailers whose year ends in January) may use another label. A year is left out of the table when the SEC data set holds no value for it. A figure shown as "Not reported" means the company did not file a value under the standard tag Swoopr reads, not that the amount was zero. This page is educational and describes reported history only; it is not a forecast or a recommendation. ## Frequently Asked Questions ### Is First Community Corporation highly leveraged? At the end of fiscal 2025, First Community Corporation's total liabilities were 92% of total assets, against a peer median of 89%. Leverage that is normal for one industry (banks, utilities) can be high for another. ### Where are First Community Corporation's official risk factors? In Item 1A, Risk Factors, of its annual report on Form 10-K, most recently filed with the SEC on March 16, 2026. The company lists the risks it considers material there; the measures on this page only quantify the financial side. ### Can First Community Corporation pay its interest? First Community Corporation did not report interest expense under the standard tags for fiscal 2025, so interest coverage is not computed here; its income statement and debt footnote show the details. ## References - [SEC EDGAR: FIRST COMMUNITY CORP /SC/ Form 10-K filed March 16, 2026](https://www.sec.gov/Archives/edgar/data/932781/000155278126000126/e26095_fcco-10k.htm) - [SEC EDGAR: FIRST COMMUNITY CORP /SC/ annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=932781&type=10-K) - [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces) ## Related Pages - [First Community Corporation company dossier](https://www.getswoopr.com/stocks/companies/first-community-corporation/) - [First Community Corporation financial metrics](https://www.getswoopr.com/stocks/companies/first-community-corporation/financial-metrics/) - [First Community Corporation financial risk indicators](https://www.getswoopr.com/stocks/companies/first-community-corporation/risks-monitoring/) - [First Community Corporation business model and revenue mix](https://www.getswoopr.com/stocks/companies/first-community-corporation/business-model/) - [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/) [Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/) Swoopr's editorial team produces independent investment education content. Content is for educational purposes only and does not constitute personalized investment advice. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).