PackageTrendsPeer
Letter portraitLegal landscape

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

$0.6M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 46% of banks under $1B in assets in IL
Bank 65.77%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%0.70%1.03%1.34%Beats 46%82 / 151
Return on Equity13.22%6.74%9.34%12.94%Beats 79%32 / 151
Net Interest Margin3.16%3.02%3.43%3.83%Beats 31%104 / 151
Efficiency Ratio65.77%54.64%64.89%72.50%Beats 46%83 / 151
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.66%1.77%Beats 83%26 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 58%64 / 149
Capital
Tier 1 Capital Ratio19.07%11.83%14.17%18.66%Beats 77%35 / 151
Total Risk-Based Capital Ratio20.32%12.22%14.54%19.92%Beats 77%34 / 151
Equity / Assets7.54%9.10%10.65%12.40%Beats 8%139 / 151
Liquidity & Funding
Loans / Deposits48.65%54.39%71.02%80.75%13th pctl129 / 149
Loans / Assets44.55%45.91%61.31%68.01%19th pctl123 / 151
Brokered Deposits / Depositsn/aNot reported for this institution