BanksFIRST COMMUNITY BANK XENIA-FLORA

FIRST COMMUNITY BANK XENIA-FLORA

XENIA, ILMicroEst. Jan. 1, 1922, midnightFDIC #3850RSSD #242FED
Latest · 2025-12-31

FIRST COMMUNITY BANK XENIA-FLORA is an 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%. CET1 capital ratio: 9.42%. NPL ratio: 0.73% · Texas Ratio: 4.09%. Operates 2 domestic branches.

Assets
$56M
Deposits
$48M
Loans
$30M
Equity
$5M

Profitability

Return on Assets (ROA)0.60%
Return on Equity (ROE)6.42%
Net Interest Margin4.07%
Yield on Assets5.59%
Cost of Funds1.54%

Asset Quality

NPL Ratio0.73%
Net Charge-Off Ratio0.30%
Texas Ratio4.09%
NPA Ratio0.40%
ACL / Loans0.56%

Capital & Liquidity

CET1 Ratio9.42%
Tier 1 Capital9.42%
Total Capital Ratio9.90%
Leverage Ratio11.52%
Loan-to-Deposit63.73%

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