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First Community Bank and Trust

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

$201.7MAssets
$94.0MLoans
$170.8MDeposits
$25.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 40 of 56).
  • Overall: at or above the peer median on 6 of 9 directional measures.

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

Non-interest income vs. expense

$1.2M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 56.19%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.51%0.84%1.19%Beats 89%6 / 57
Return on Equity12.66%3.13%7.76%11.40%Beats 84%9 / 57
Net Interest Margin4.19%3.16%3.63%4.08%Beats 82%10 / 57
Efficiency Ratio56.19%59.57%69.70%81.06%Beats 79%13 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 30%40 / 56
Capital
Tier 1 Capital Ratio13.47%12.24%16.06%19.69%Beats 37%36 / 57
Total Risk-Based Capital Ratio13.47%12.54%16.50%20.95%Beats 35%37 / 57
Equity / Assets12.76%9.37%11.56%15.00%Beats 54%26 / 57
Liquidity & Funding
Loans / Deposits55.01%66.29%85.59%95.16%11th pctl51 / 57
Loans / Assets46.60%57.07%71.07%78.13%9th pctl52 / 57
Brokered Deposits / Depositsn/aNot reported for this institution