FIRST COMMUNITY BANK OF HILLSBORO
FIRST COMMUNITY BANK OF HILLSBORO is an FDIC-insured commercial bank headquartered in HILLSBORO, IL, established in 1998. As of , the bank reported total assets of $137M and total deposits of $104M. Profitability stands at 0.87% ROA and 8.91% ROE, with a net interest margin of 2.89%. CET1 capital ratio: 10.11%, well above regulatory minimums. NPL ratio: 0.18% · Texas Ratio: 1.08%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Community Bank of Hillsboro rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.11% | 0.87% | 0.18% | 1.08% | 2.89% |
| 2025-09-30 | 9.47% | 1.01% | 0.20% | 1.15% | 2.74% |
| 2025-06-30 | 8.93% | 0.80% | 0.61% | 3.74% | 2.48% |
| 2025-03-31 | 8.41% | 0.51% | 0.63% | 4.24% | 2.30% |
| 2024-12-31 | 8.52% | 0.40% | 0.70% | 4.50% | 2.02% |
| 2024-09-30 | 8.22% | 0.64% | 0.67% | 4.02% | 2.03% |
| 2024-06-30 | 6.62% | 0.34% | 0.68% | 4.65% | 1.76% |
| 2024-03-31 | 6.47% | 0.09% | 0.24% | 1.68% | 1.60% |
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Frequently asked about FIRST COMMUNITY BANK OF HILLSBORO
What are First Community Bank of Hillsboro's total assets?
As of the Q4 2025 filing, First Community Bank of Hillsboro reported total assets of $137.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank of Hillsboro headquartered?
First Community Bank of Hillsboro is headquartered in HILLSBORO, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank of Hillsboro founded?
First Community Bank of Hillsboro was established in 1998, per the FDIC institution directory.
Is First Community Bank of Hillsboro FDIC-insured?
Yes. First Community Bank of Hillsboro is an FDIC-insured commercial bank (FDIC Certificate #34752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank of Hillsboro?
First Community Bank of Hillsboro's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank of Hillsboro's CET1 capital ratio?
First Community Bank of Hillsboro reported a Common Equity Tier 1 (CET1) capital ratio of 10.11% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Community Bank of Hillsboro operate?
First Community Bank of Hillsboro operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Community Bank of Hillsboro's Texas Ratio?
First Community Bank of Hillsboro's Texas Ratio is 1.08% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.