FIRST COMMUNITY BANK XENIA-FLORA

XENIA, IL | Micro | Est. Jan. 1, 1922, midnight | FDIC #3850 | RSSD #242 | FED
Latest Report: 2025-12-31

FIRST COMMUNITY BANK XENIA-FLORA is amn micro FDIC-insured commercial bank headquartered in XENIA, IL, established in Jan. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $56M and total deposits of $48M. Profitability stands at 0.60% ROA and 6.42% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 9.42%. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 4.09%. FDIC Certificate #3850. The institution operates 1 domestic branch.

Assets

$56M

Deposits

$48M

Loans

$30M

Equity

$5M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 6.42%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.59%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.30%
Texas Ratio 4.09%
NPA Ratio 0.40%
ACL / Loans 0.56%

Capital & Liquidity

CET1 Ratio 9.42%
Tier 1 Capital 9.42%
Total Capital Ratio 9.90%
Leverage Ratio 11.52%
Loan-to-Deposit 63.73%

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