Banks1ST COMMUNITY BANK

1ST COMMUNITY BANK

SHERRARD, ILMicroEst. Jan. 1, 1910, midnightFDIC #11706RSSD #338945FDIC
Latest · 2025-12-31

1ST COMMUNITY BANK is an 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%. CET1 capital ratio: 10.16%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$66M
Deposits
$58M
Loans
$46M
Equity
$7M

Profitability

Return on Assets (ROA)0.78%
Return on Equity (ROE)7.59%
Net Interest Margin5.01%
Yield on Assets6.10%
Cost of Funds1.12%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.95%

Capital & Liquidity

CET1 Ratio10.16%
Tier 1 Capital10.16%
Total Capital Ratio10.67%
Leverage Ratio10.06%
Loan-to-Deposit78.70%

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