Item 1A. Risk Factors.

Investing in our common stock involves certain risks, including those identified and described in Item 1A. of our Annual Report on Form 10-K for the fiscal year ended December 31, 2024, the cautionary statements under Cautionary Statement Regarding Forward-Looking Statements in Part I, Item 2 of this Quarterly Report on Form 10-Q, and other risks and matters described elsewhere in this Quarterly Report and in our other filings with the SEC.

There have been no material changes to the risk factors previously disclosed in ~~Item 1A. of o~~our Annual Report on Form 10-K for the ~~fiscal~~ year ended December 31, 2024., other than the additional risks described under Risk FactorsRisks Related to the Merger in our Amendment No. 1 to our Registration Statement on Form S-4 (File No. 333-290152), declared effective by the SEC on September 24, 2025. Those risk factors should be read in conjunction with the information set forth in this Quarterly Report.

First Community Corporation

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