First Community Bankshares operates as a bank holding company, offering a comprehensive range of financial services to customers in the United States. The company's focus includes savings accounts, personal and business loans, debit and credit cards, mobile banking, insurance, wealth management, and trust services.

First Community Bank, a subsidiary of First Community Bankshares, emphasizes community banking excellence and technological innovation. They provide digital banking solutions, including the Xpress by FCB Mobile App, allowing customers to manage their finances remotely. The bank also offers XpressBanker ATMs to accommodate customers' schedules, demonstrating their commitment to convenience and accessibility in banking services.