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First Community Bank of Hillsboro

Hillsboro, IL · Cert 34752 · First Cmty Banc Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

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.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank of Hillsboro

Hillsboro, IL · Cert 34752 · First Cmty Banc Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$133.3MAssets
$88.2MLoans
$103.2MDeposits
$14.6MEquity
Loan mix
89%RE $59.5M6%C&I $4.1M4%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $87.6M15%Noninterest $15.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.85%, up 33 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.10% of loans (-34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.59%, up 107 bps from a year ago.
  • Funding: loans stand at 85.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+72 bps YoY

Efficiency Ratio (YTD, annualized)

64.21%-1,011 bps YoY

Tier 1 Leverage Ratio

11.59%+107 bps YoY

NIM

3.67%Q2 ’243.90%Q2 ’254.44%Q2 ’26+37%+31%

Non-interest income vs. expense

1.90%Q2 ’242.05%Q2 ’252.24%Q2 ’26+10%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.29%0.40%0.52%0.61%0.63%0.84%0.85%+33 bps
Return on Equity4.14%4.10%4.75%6.02%6.91%6.96%8.18%8.09%+207 bps
Net Interest Margin1.82%1.90%2.28%2.32%2.45%2.53%2.91%3.04%+72 bps
Efficiency Ratio83.17%82.47%78.31%74.32%70.86%69.44%64.61%64.21%-1,011 bps
Non-Interest Burden1.44%1.49%1.69%1.61%1.60%1.62%1.72%1.80%+18 bps
Growth
Asset Growth (YoY)-10.40%-11.20%-4.48%-10.44%-1.07%3.85%-3.75%-2.33%+811 bps
Loan Growth (YoY)5.49%5.63%8.68%6.16%7.70%12.32%13.12%11.72%+557 bps
Deposit Growth (YoY)-11.85%-8.15%0.12%-8.01%9.26%8.52%3.53%2.24%+1,024 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.48%0.47%0.44%0.63%0.00%0.00%0.10%-34 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.08%0.05%0.04%0.00%0.00%-8 bps
Allowance / Loans0.98%0.95%0.99%0.94%0.94%0.97%0.99%1.04%+10 bps
Allowance Coverage of NPLs1.9x2.0x2.1x2.1x1.5xn/an/a10.7x+8.5x
Capital
Tier 1 Leverage Ratio9.84%10.19%10.71%10.52%10.79%10.91%11.24%11.59%+107 bps
Total Risk-Based Capital9.84%10.19%10.71%10.52%10.79%10.91%11.24%11.59%+107 bps
Equity / Assets8.22%8.52%8.41%8.93%9.47%10.11%10.50%10.92%+199 bps
Liquidity & Funding
Loans / Deposits76.27%80.93%76.44%78.23%75.18%83.76%83.52%85.49%+726 bps
Liquid Assets / Assets5.52%0.91%7.21%5.35%8.04%2.59%4.18%1.78%-356 bps
CRE / Total Capitaln/an/an/an/a51.83%49.42%48.78%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Community Bank of Hillsboro

Hillsboro, IL · Cert 34752 · Peer group: banks under $1B in assets in IL (n=149-151) · First Cmty Banc Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$133.3MAssets
$88.2MLoans
$103.2MDeposits
$14.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets in IL (rank 25 of 149).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in IL (rank 125 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.86%

Rank 95 of 151

Net Interest Margin

3.04%

Rank 112 of 151

Efficiency Ratio

64.21%

Rank 73 of 151

Equity / Assets

10.92%

Rank 65 of 151

Non-interest income vs. expense

$0.6M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 52% of banks under $1B in assets in IL
Bank 64.21%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.86%0.70%1.03%1.34%Beats 37%95 / 151
Return on Equity7.90%6.74%9.34%12.94%Beats 36%96 / 151
Net Interest Margin3.04%3.02%3.43%3.83%Beats 26%112 / 151
Efficiency Ratio64.21%54.64%64.89%72.50%Beats 52%73 / 151
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.66%1.77%Beats 84%25 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 80%31 / 149
Capital
Tier 1 Capital Ratio11.59%11.83%14.17%18.66%Beats 21%119 / 151
Total Risk-Based Capital Ratio11.59%12.22%14.54%19.92%Beats 17%125 / 151
Equity / Assets10.92%9.10%10.65%12.40%Beats 57%65 / 151
Liquidity & Funding
Loans / Deposits85.49%54.39%71.02%80.75%84th pctl24 / 149
Loans / Assets66.20%45.91%61.31%68.01%66th pctl51 / 151
Brokered Deposits / Depositsn/aNot reported for this institution