Southern Community Bancshares, Inc. (SCBS) functions as the parent entity for First Community Bank, which delivers a comprehensive array of banking solutions to clients across northern Alabama. The bank's deposit offerings encompass checking, savings, money market, individual retirement accounts, certificates of deposit, along with dedicated Christmas club and kids club savings programs. Its robust lending portfolio includes consumer, business, purchase, home improvement, refinance, and construction loans, as well as conventional, FHA, VA, and USDA mortgage products.