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Letter portraitLegal landscapeQuarterYTD

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 0.86%, up 23 bps year over year; NIM at 3.15%.
  • 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 (quarter, annualized)

0.86%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+71 bps YoY

Efficiency Ratio (quarter, annualized)

63.83%-682 bps YoY

Tier 1 Leverage Ratio

11.59%+107 bps YoY

NIM

3.65%Q2 ’244.02%Q2 ’254.52%Q2 ’26+39%+29%

Non-interest income vs. expense

1.86%Q2 ’242.03%Q2 ’252.29%Q2 ’26+14%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.32%0.40%0.63%0.79%0.69%0.84%0.86%+23 bps
Return on Equity6.85%3.81%4.75%7.23%8.63%7.03%8.18%8.02%+79 bps
Net Interest Margin2.02%1.98%2.28%2.44%2.67%2.81%2.91%3.15%+71 bps
Efficiency Ratio73.02%80.44%78.31%70.65%64.75%65.69%64.61%63.83%-682 bps
Non-Interest Burden1.35%1.50%1.69%1.59%1.56%1.69%1.72%1.85%+26 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 / Loans0.01%0.02%0.00%0.16%0.00%0.00%0.00%0.00%-16 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