1ST COMMUNITY BANK

SHERRARD, IL | Micro | Est. Jan. 1, 1910, midnight | FDIC #11706 | RSSD #338945 | FDIC
Latest Report: 2025-12-31

1ST COMMUNITY BANK is amn micro FDIC-insured commercial bank headquartered in SHERRARD, IL, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $66M and total deposits of $58M. Profitability stands at 0.78% ROA and 7.59% ROE, with a net interest margin of 5.01%. The bank's CET1 capital ratio is 10.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11706.

Assets

$66M

Deposits

$58M

Loans

$46M

Equity

$7M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.59%
Net Interest Margin (NIM) 5.01%
Yield on Assets 6.10%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 10.16%
Tier 1 Capital 10.16%
Total Capital Ratio 10.67%
Leverage Ratio 10.06%
Loan-to-Deposit 78.70%

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