{"product_id":"firstcommunitybank-pestle-analysis","title":"First Community Bank PESTLE Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMake Smarter Strategic Decisions with a Complete PESTEL View\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eGain a strategic advantage with our PESTLE Analysis of First Community Bank—concise, actionable, and tailored to reveal how political, economic, social, technological, legal, and environmental forces shape its future; buy the full report to access the deep-dive insights, ready-to-use charts, and strategic recommendations you need to make smarter investment or planning decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eolitical factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFederal Regulatory Policy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank must navigate an evolving regulatory landscape after the 2024 election, with federal priorities shifting toward tighter oversight of mid-sized banks; proposed rules could raise CET1 capital targets by 50–150 bps for similar peers, and federal audits rose 18% in 2024 for institutions $10–50bn. Staying aligned with these mandates through 2026 is essential to avoid fines—average enforcement actions reached $12m in 2024—and preserve operational stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Reinvestment Act Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePolitical pressure to serve underserved markets is steering First Community Bank’s lending and outreach, with regulators emphasizing CRA compliance; nationally, 2024 OCC data shows 86% of banks rated satisfactory or better, raising the bar for peers. Maintaining a strong CRA rating is vital—banks with outstanding scores saw 12–18% higher approval rates for M\u0026amp;A and branch expansions in 2023–2024—so the bank prioritizes equitable credit access in its growth plans.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall Business Administration Funding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGovernment-backed SBA loan programs remain central to First Community Bank’s commercial strategy, funding ~25% of its small business portfolio and supporting local entrepreneurs; FY2024 SBA approvals totaled $1.05 billion in the bank’s region. Changes in federal SBA funding or fee structures can compress margins and affect competitiveness—e.g., a 10% cut in program guarantees would materially raise credit risk. The bank actively monitors legislation that could change guarantee percentages or borrower eligibility to adjust pricing and underwriting in near-real time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTax Policy and Corporate Rates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpadjustments to corporate tax structures at federal and state levels directly affect first community bank net income capital allocation for example a percentage-point change in can alter after-tax roe by several dozen basis points on typical margin median rotce\u003e\n\u003cpchanges in tax credits for community development or green energy lending as state creb extensions federal clean incentives shift loan mix toward prioritized projects improving risk-adjusted yields and fee income.\u003e\n\u003cpstrategic planning must model these fiscal shifts to optimize after-tax returns for shareholders stress-testing scenarios across likely tax policy paths and quantifying impacts on capital ratios dividend capacity.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1 ppt tax rate move → material ROE impact (median ROTCE ~11% in 2024)\u003c\/li\u003e\n\u003cli\u003eTax credits (LIHTC, CREB, clean energy) incentivize targeted lending\u003c\/li\u003e\n\u003cli\u003eScenario stress-tests essential for capital\/dividend planning through 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pstrategic\u003e\u003c\/pchanges\u003e\u003c\/padjustments\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGeopolitical Stability and Local Impact\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eGeopolitical tensions, such as the 2024 Red Sea shipping disruptions that raised freight rates by ~25%, can raise regional input costs and squeeze local margins, indirectly impacting First Community Bank clients.\u003c\/p\u003e\n\u003cp\u003eGlobal political instability fueled a 2024 VIX spike to ~23, increasing market volatility and reducing local investment appetite, lowering demand for commercial lending.\u003c\/p\u003e\n\u003cp\u003eThe bank must hold robust capital buffers—e.g., CET1 ratios near industry median ~12%—and contingency liquidity lines to support clients through external shocks.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSupply-chain-driven cost rises (freight +25% in 2024)\u003c\/li\u003e\n\u003cli\u003eMarket-volatility effects (VIX ~23 in 2024)\u003c\/li\u003e\n\u003cli\u003eMaintain CET1 ~12% and contingency liquidity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanks brace for tighter regs, CET1 shocks \u0026amp; tax volatility—stress-test capital through 2025\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePolitical shifts after 2024 heighten regulatory scrutiny (federal audits +18% in 2024) and potential CET1 hikes (50–150 bps), press CRA compliance (86% satisfactory+ nationally), SBA program exposure (~25% of small-business book), and tax policy volatility (1ppt tax change shifts ROTCE from 11% baseline). Banks must stress-test capital, liquidity, and product mix through 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFederal audits Δ\u003c\/td\u003e\n\u003ctd\u003e+18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 shock\u003c\/td\u003e\n\u003ctd\u003e+50–150 bps\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRA ≥ satisfactory\u003c\/td\u003e\n\u003ctd\u003e86%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSBA share\u003c\/td\u003e\n\u003ctd\u003e~25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMedian ROTCE\u003c\/td\u003e\n\u003ctd\u003e~11%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eExplores how Political, Economic, Social, Technological, Environmental, and Legal forces uniquely impact First Community Bank, with data-backed trends, region-specific regulatory context, and forward-looking insights to identify threats, opportunities, and strategic responses for executives, investors, and advisors.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, visually segmented PESTLE summary for First Community Bank that’s ideal for meetings or presentations, easily editable with notes for regional or business-line specificity and shareable across teams for quick alignment on external risks and market positioning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs the Federal Reserve navigates the post-inflationary late-2025 environment, First Community Bank faces pressure on net interest margin—Q3 2025 regional bank NIMs averaged 3.05%, highlighting sensitivity to rate shifts. Fluctuating policy rates have raised deposit costs while compressing loan yields, with short-term funding costs up roughly 80 basis points year-over-year. The bank uses advanced asset-liability management, including interest rate swaps and gap analysis, to hedge against abrupt yield-curve movements and protect earnings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Real Estate Market Health\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFirst Community Bank's performance is highly correlated with regional real estate: in 2025 local home prices rose 2.1% year-over-year while commercial property values in the metro fell 4.8%, affecting collateral valuations and underwriting stress.\u003c\/p\u003e\n\u003cp\u003eA cooling housing market or further commercial declines would raise default risk and lower mortgage origination volume—mortgage applications in the region dropped 11% in 2025 compared with 2024.\u003c\/p\u003e\n\u003cp\u003eMonitoring inventory, which increased to a 4.6-month supply in Q4 2025, and construction starts, down 9% year-over-year, is vital for anticipating credit quality and loan-to-value trends.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Pressures on Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersistent inflation through 2025 drove US CPI to average about 3.4% in 2024–25, raising First Community Bank’s operating costs—wages (+5% year-over-year for banking staff), SaaS\/tech subscriptions and facility maintenance—squeezing margins.\u003c\/p\u003e\n\u003cp\u003eTo preserve net interest margin and ROA targets, the bank must boost efficiency via automation and branch optimization while protecting service quality.\u003c\/p\u003e\n\u003cp\u003eDisciplined expense management and strategic repricing—small fee increases and tiered loan pricing—are required to offset cost inflation without losing deposits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Employment and Consumer Spending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eLocal unemployment in First Community Bank’s primary markets stood near 3.9% in 2025, supporting household disposable income growth—median household income in the region rose about 4.2% year-over-year, fueling deposit inflows and stronger demand for personal and auto loans.\u003c\/p\u003e\n\u003cp\u003eShould a downturn occur, rising delinquencies would force tighter underwriting, increased loan-loss reserves, and targeted borrower relief to manage credit risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUnemployment ~3.9% (2025)\u003c\/li\u003e\n\u003cli\u003eMedian household income +4.2% YoY\u003c\/li\u003e\n\u003cli\u003eDeposit growth and loan demand up; watch delinquencies and reserves\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCost of Capital and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAccess to affordable liquidity is critical for First Community Bank to fund loans and meet withdrawals; as of Q4 2025 regional banks maintained liquidity coverage ratios around 120%, underscoring industry pressure to hold ample reserves.\u003c\/p\u003e\n\u003cp\u003eIn a competitive rate environment, the bank must offer market-leading savings and CD yields—median community bank 1-year CD rates rose to ~1.8% in 2025—to retain deposits without eroding net interest margin.\u003c\/p\u003e\n\u003cp\u003eManaging cost of capital remains a top executive priority: improving deposit mix and optimizing wholesale funding helped similar banks reduce funding costs by ~25 bps in 2024–25, a benchmark for sustainable growth.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMaintain LCR ≈120%+\u003c\/li\u003e\n\u003cli\u003eTarget deposit yields near market median (1.8% for 1‑yr CD)\u003c\/li\u003e\n\u003cli\u003eReduce funding cost by ~25 bps via deposit mix\/wholesale\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2025 stress squeezes regional NIMs to 3.05% as deposit costs and CRE risks rise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEconomic pressures in 2025 compressed NIMs (regional avg 3.05%), raised deposit costs (1‑yr CD ~1.8%) and drove operating expenses up (wages +5%); local unemployment ~3.9% and median income +4.2% supported deposits but commercial CRE down -4.8% elevated credit risk.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (regional avg)\u003c\/td\u003e\n\u003ctd\u003e3.05%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e1‑yr CD median\u003c\/td\u003e\n\u003ctd\u003e1.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnemployment\u003c\/td\u003e\n\u003ctd\u003e3.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMedian income YoY\u003c\/td\u003e\n\u003ctd\u003e+4.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial CRE\u003c\/td\u003e\n\u003ctd\u003e-4.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003eFirst Community Bank PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact First Community Bank PESTLE Analysis you’ll receive after purchase—fully formatted, professionally structured, and ready to use. This is a real snapshot of the product you’re buying, with no placeholders or surprises. The layout, content, and structure visible here are identical to the downloadable file you’ll get immediately after checkout.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56751215182201,"sku":"firstcommunitybank-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/firstcommunitybank-pestle-analysis.png?v=1772228913","url":"https:\/\/matrixbcg.com\/products\/firstcommunitybank-pestle-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}