Beecher, IL · Cert 15913 · First Community Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
65
Profitability
85
Liquidity
0
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Beecher, IL · Cert 15913 · First Community Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #104 of 147 inst. · $0.2B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.50% | 0.99% | 1.00% | 1.16% | 1.25% | 1.74% | 1.61% | +61 bps | |
| Return on Equity | 11.87% | 13.24% | 8.19% | 8.13% | 9.30% | 9.92% | 13.39% | 12.47% | +434 bps | |
| Net Interest Margin | 3.81% | 3.76% | 3.73% | 4.04% | 4.04% | 3.97% | 4.08% | 4.19% | +15 bps | |
| Efficiency Ratio | 59.55% | 56.62% | 64.33% | 59.26% | 57.39% | 57.31% | 55.61% | 56.19% | -307 bps | |
| Non-Interest Burden | 2.05% | 1.88% | 2.23% | 2.17% | 2.07% | 2.03% | 2.00% | 2.09% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.45% | 4.36% | 4.49% | -5.32% | -1.07% | -1.77% | 0.63% | 2.48% | +780 bps | |
| Loan Growth (YoY) | 4.45% | -4.83% | -5.42% | -7.39% | 3.69% | 4.20% | 4.83% | -4.33% | +307 bps | |
| Deposit Growth (YoY) | 7.36% | 3.47% | 3.48% | -7.56% | -3.19% | -3.43% | -0.36% | 2.18% | +974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.79% | 3.35% | 3.42% | 3.37% | 2.56% | 0.00% | 0.00% | 0.00% | -337 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.52% | -0.03% | -0.13% | 0.72% | 0.72% | -0.18% | -0.22% | -9 bps | |
| Allowance / Loans | 1.50% | 1.03% | 1.19% | 1.66% | 1.08% | 0.99% | 0.96% | 1.21% | -45 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.5x | 0.4x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.60% | 12.30% | 12.92% | 13.65% | 13.72% | 13.13% | 13.31% | 13.47% | -18 bps | |
| Total Risk-Based Capital | 12.60% | 12.30% | 12.92% | 13.65% | 13.72% | 13.13% | 13.31% | 13.47% | -18 bps | |
| Equity / Assets | 11.63% | 11.86% | 12.26% | 12.84% | 12.95% | 13.14% | 12.88% | 12.76% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.38% | 56.02% | 56.37% | 58.75% | 61.46% | 60.44% | 59.30% | 55.01% | -374 bps | |
| Liquid Assets / Assets | 15.67% | 13.18% | 12.49% | 10.44% | 12.22% | 8.84% | 10.98% | 12.87% | +244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 210% | 197.88% | n/a | n/a | |
Beecher, IL · Cert 15913 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Community Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.61%
Rank 6 of 57
Net Interest Margin
4.19%
Rank 10 of 57
Efficiency Ratio
56.19%
Rank 13 of 57
Equity / Assets
12.76%
Rank 26 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.51% | 0.84% | 1.19% | Beats 89% | 6 / 57 | ||
| Return on Equity | 12.66% | 3.13% | 7.76% | 11.40% | Beats 84% | 9 / 57 | ||
| Net Interest Margin | 4.19% | 3.16% | 3.63% | 4.08% | Beats 82% | 10 / 57 | ||
| Efficiency Ratio | 56.19% | 59.57% | 69.70% | 81.06% | Beats 79% | 13 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 1.78% | Beats 100% | 9 / 56 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 30% | 40 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.47% | 12.24% | 16.06% | 19.69% | Beats 37% | 36 / 57 | ||
| Total Risk-Based Capital Ratio | 13.47% | 12.54% | 16.50% | 20.95% | Beats 35% | 37 / 57 | ||
| Equity / Assets | 12.76% | 9.37% | 11.56% | 15.00% | Beats 54% | 26 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.01% | 66.29% | 85.59% | 95.16% | 11th pctl | 51 / 57 | ||
| Loans / Assets | 46.60% | 57.07% | 71.07% | 78.13% | 9th pctl | 52 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||