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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