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  <xs:element id="fcbm_CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterpriseMember" abstract="true" name="CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterpriseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ConstructionLandAndLandDevelopmentMember" abstract="true" name="ConstructionLandAndLandDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_OtherCommercialRealEstateMember" abstract="true" name="OtherCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_OwnerOccupiedCommercialRealEstateMember" abstract="true" name="OwnerOccupiedCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_CommercialIndustrialAndAgriculturalMember" abstract="true" name="CommercialIndustrialAndAgriculturalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_ResidentialPropertiesMember" abstract="true" name="ResidentialPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_BusinessAssetsMember" abstract="true" name="BusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_CommercialPropertyMember" abstract="true" name="CommercialPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_FinancingReceivableIndividuallyEvaluatedForCreditLossNumberOfLoans" abstract="false" name="FinancingReceivableIndividuallyEvaluatedForCreditLossNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fcbm_FinancingReceivableIndividuallyEvaluatedForCreditLossNonaccrualNumberOfLoans" abstract="false" name="FinancingReceivableIndividuallyEvaluatedForCreditLossNonaccrualNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fcbm_FinancingReceivableIndividuallyEvaluatedWithAllowanceForCreditLossNumberOfLoans" abstract="false" name="FinancingReceivableIndividuallyEvaluatedWithAllowanceForCreditLossNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fcbm_AdditionalFinancingReceivablesLentToBorrowersInFinancialDistress" abstract="false" name="AdditionalFinancingReceivablesLentToBorrowersInFinancialDistress" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefaultNumberOfLoans" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefaultNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fcbm_ResidentialAndConsumerPortfolioSegmentMember" abstract="true" name="ResidentialAndConsumerPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ValuationTechniqueThirdPartyAppraisalMember" abstract="true" name="ValuationTechniqueThirdPartyAppraisalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_FinancingReceivableIndividuallyEvaluatedForCreditLossMeasurementInput" abstract="false" name="FinancingReceivableIndividuallyEvaluatedForCreditLossMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="fcbm_OfficersAndDirectorsMember" abstract="true" name="OfficersAndDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossRollForward" abstract="true" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcbm_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAdditionFromNewLoan" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAdditionFromNewLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossPaymentsReceived" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossPaymentsReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_LesseeOperatingLeaseNumberOfLeases" abstract="false" name="LesseeOperatingLeaseNumberOfLeases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fcbm_OperatingLeaseAssetsAbstract" abstract="true" name="OperatingLeaseAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcbm_OperatingLeaseLiabilitiesAbstract" abstract="true" name="OperatingLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcbm_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_UndisbursedConstructionCommitmentsMember" abstract="true" name="UndisbursedConstructionCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_CollateralDependentLoanMember" abstract="true" name="CollateralDependentLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="fcbm_CommunityBankingMember" abstract="true" name="CommunityBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_BMTechMember" abstract="true" name="BMTechMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ProductAndServicesInterchangeAndCardRevenueMember" abstract="true" name="ProductAndServicesInterchangeAndCardRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ProductAndServicesServiceFeesMember" abstract="true" name="ProductAndServicesServiceFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ProductAndServicesServiceChargesMember" abstract="true" name="ProductAndServicesServiceChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ProductAndServicesUniversityFeesTransactionActivityMember" abstract="true" name="ProductAndServicesUniversityFeesTransactionActivityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ProductAndServicesUniversityFeesSubscriptionsMember" abstract="true" name="ProductAndServicesUniversityFeesSubscriptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_OtherNoninterestExpenseAdjusted" abstract="false" name="OtherNoninterestExpenseAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcbm_ProductAndServicesServicingFeesMember" abstract="true" name="ProductAndServicesServicingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ContractWithCustomerRevenueScopeAxis" abstract="true" name="ContractWithCustomerRevenueScopeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fcbm_ContractWithCustomerRevenueScopeDomain" abstract="true" name="ContractWithCustomerRevenueScopeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ContractWithCustomerWithin606RevenueScopeMember" abstract="true" name="ContractWithCustomerWithin606RevenueScopeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcbm_ContractWithCustomerOutsideOf606RevenueScopeMember" abstract="true" name="ContractWithCustomerOutsideOf606RevenueScopeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
