First Community Bank of Moultrie County
Sullivan, IL · Cert 3745 · Peer group: banks under $1B in assets in IL (n=149-151) · Sullivan Bancshares Employee Svg&Retirement Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
$119.7MAssets
$53.4MLoans
$109.7MDeposits
$9.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in IL (rank 26 of 149).
- Widest gap: equity / assets trails 92% of banks under $1B in assets in IL (rank 139 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.00%
Rank 82 of 151
Net Interest Margin
3.16%
Rank 104 of 151
Efficiency Ratio
65.77%
Rank 83 of 151
Equity / Assets
7.54%
Rank 139 of 151
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 46% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.70% | 1.03% | 1.34% | Beats 46% | 82 / 151 | |
| Return on Equity | 13.22% | 6.74% | 9.34% | 12.94% | Beats 79% | 32 / 151 | |
| Net Interest Margin | 3.16% | 3.02% | 3.43% | 3.83% | Beats 31% | 104 / 151 | |
| Efficiency Ratio | 65.77% | 54.64% | 64.89% | 72.50% | Beats 46% | 83 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.20% | 0.66% | 1.77% | Beats 83% | 26 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 58% | 64 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 19.07% | 11.83% | 14.17% | 18.66% | Beats 77% | 35 / 151 | |
| Total Risk-Based Capital Ratio | 20.32% | 12.22% | 14.54% | 19.92% | Beats 77% | 34 / 151 | |
| Equity / Assets | 7.54% | 9.10% | 10.65% | 12.40% | Beats 8% | 139 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 48.65% | 54.39% | 71.02% | 80.75% | 13th pctl | 129 / 149 | |
| Loans / Assets | 44.55% | 45.91% | 61.31% | 68.01% | 19th pctl | 123 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |