XML 90 R72.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Balance, Loans | $ 36,189 | $ 30,556
Balance, Allowance for credit losses - loan commitments | 746 | 1,196
Total allowance for credit losses beginning of year | 36,935 | 31,752
(Recovery of) provision for credit losses - loans | 4,002 | 8,435
(Recovery of) provision for credit losses - loan commitments | (405) | (450)
Total provision for credit losses - loans and loan commitments | 3,597 | 7,985
Charge-offs | (7,851) | (8,825)
Recoveries | 2,485 | 4,012
Net (charge-offs) recoveries | (5,366) | (4,813)
Balance, Allowance for credit losses - loans | 34,825 | 36,189
Balance, Allowance for credit losses - loan commitments | 341 | 746
Ending balance | 35,166 | 36,935
(Recovery of) provision for credit losses - loan commitments | (405) | (450)
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |
Balance, Loans |  | 2,011
Commercial Portfolio Segment [Member] |  |
Balance, Loans | 21,850 | 17,213
Balance, Allowance for credit losses - loan commitments | 597 | 1,018
Total allowance for credit losses beginning of year | 22,447 | 18,231
(Recovery of) provision for credit losses - loans | (1,227) | 2,217
(Recovery of) provision for credit losses - loan commitments | (426) | (421)
Total provision for credit losses - loans and loan commitments | (1,653) | 1,796
Charge-offs | (822) | (753)
Recoveries | 617 | 1,721
Net (charge-offs) recoveries | (205) | 968
Balance, Allowance for credit losses - loans | 20,418 | 21,850
Balance, Allowance for credit losses - loan commitments | 171 | 597
Ending balance | 20,589 | 22,447
(Recovery of) provision for credit losses - loan commitments | (426) | (421)
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |
Balance, Loans |  | 1,452
Consumer Real Estate Portfolio Segment [Member] |  |
Balance, Loans | 9,693 | 8,931
Balance, Allowance for credit losses - loan commitments | 121 | 156
Total allowance for credit losses beginning of year | 9,814 | 9,087
(Recovery of) provision for credit losses - loans | 175 | 125
(Recovery of) provision for credit losses - loan commitments | 17 | (35)
Total provision for credit losses - loans and loan commitments | 192 | 90
Charge-offs | (336) | (412)
Recoveries | 375 | 520
Net (charge-offs) recoveries | 39 | 108
Balance, Allowance for credit losses - loans | 9,907 | 9,693
Balance, Allowance for credit losses - loan commitments | 138 | 121
Ending balance | 10,045 | 9,814
(Recovery of) provision for credit losses - loan commitments | 17 | (35)
Consumer Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |
Balance, Loans |  | 529
Consumer and Other Portfolio Segment [Member] |  |
Balance, Loans | 4,646 | 4,412
Balance, Allowance for credit losses - loan commitments | 28 | 22
Total allowance for credit losses beginning of year | 4,674 | 4,434
(Recovery of) provision for credit losses - loans | 5,054 | 6,093
(Recovery of) provision for credit losses - loan commitments | 4 | 6
Total provision for credit losses - loans and loan commitments | 5,058 | 6,099
Charge-offs | (6,693) | (7,660)
Recoveries | 1,493 | 1,771
Net (charge-offs) recoveries | (5,200) | (5,889)
Balance, Allowance for credit losses - loans | 4,500 | 4,646
Balance, Allowance for credit losses - loan commitments | 32 | 28
Ending balance | 4,532 | 4,674
(Recovery of) provision for credit losses - loan commitments | $ 4 | 6
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |
Balance, Loans |  | $ 30

X
- Definition Amount of allowance for credit loss on financing receivable and loan commitments. + References No definition available. + Details
Name: | fcbc_FinancingReceivableAllowanceForCreditLossLoansAndLoanCommitments
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable before loan commitments recovery. + References No definition available. + Details
Name: | fcbc_FinancingReceivableCreditLossExpenseReversalBeforeLoanCommitmentsRecovery
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable and loan commitments. + References No definition available. + Details
Name: | fcbc_FinancingReceivableCreditLossExpenseReversalLoansAndLoanCommitments
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (4) -Publisher SEC Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph c -Publisher SEC Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (1) -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (3) -Publisher SEC Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiability
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_CreditLossStatusAxis=us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_BusinessAcquisitionAxis=fcbc_SurreyMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=fcbc_ConsumerRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=fcbc_ConsumerAndOtherPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |