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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

$133.3MAssets
$88.2MLoans
$103.2MDeposits
$14.6MEquity
Loan mix
89%RE $59.5M6%C&I $4.1M4%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $87.6M15%Noninterest $15.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.61%0.63%0.84%0.85%+33 bps
Return on Equity6.02%6.91%6.96%8.18%8.09%+207 bps
Net Interest Margin2.32%2.45%2.53%2.91%3.04%+72 bps
Efficiency Ratio74.32%70.86%69.44%64.61%64.21%-1,011 bps
Non-Interest Burden1.61%1.60%1.62%1.72%1.80%+18 bps
Growth
Asset Growth (YoY)-10.44%-1.07%3.85%-3.75%-2.33%+811 bps
Loan Growth (YoY)6.16%7.70%12.32%13.12%11.72%+557 bps
Deposit Growth (YoY)-8.01%9.26%8.52%3.53%2.24%+1,024 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.63%0.00%0.00%0.10%-34 bps
Net Charge-Offs / Loans0.08%0.05%0.04%0.00%0.00%-8 bps
Allowance / Loans0.94%0.94%0.97%0.99%1.04%+10 bps
Allowance Coverage of NPLs2.1x1.5xn/an/a10.7x+8.5x
Capital
Tier 1 Leverage Ratio10.52%10.79%10.91%11.24%11.59%+107 bps
Total Risk-Based Capital10.52%10.79%10.91%11.24%11.59%+107 bps
Equity / Assets8.93%9.47%10.11%10.50%10.92%+199 bps
Liquidity & Funding
Loans / Deposits78.23%75.18%83.76%83.52%85.49%+726 bps
Liquid Assets / Assets5.35%8.04%2.59%4.18%1.78%-356 bps
CRE / Total Capitaln/a51.83%49.42%48.78%n/an/a