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 | |