FIRST COMMUNITY BANK AND TRUST

BEECHER, IL | Small | Est. Nov. 16, 1916, midnight | FDIC #15913 | RSSD #371232 | FED
Latest Report: 2025-12-31

FIRST COMMUNITY BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in BEECHER, IL, established in Nov. 16, 1916, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $170M. Profitability stands at 1.51% ROA and 11.56% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 13.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 6.70%. FDIC Certificate #15913.

Assets

$202M

Deposits

$170M

Loans

$103M

Equity

$26M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 11.56%
Net Interest Margin (NIM) 4.62%
Yield on Assets 5.74%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.72%
Texas Ratio 6.70%
NPA Ratio 0.91%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.14%
Tier 1 Capital 13.14%
Total Capital Ratio 13.79%
Leverage Ratio 13.13%
Loan-to-Deposit 60.44%

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