BanksFIRST COMMUNITY BANK AND TRUST

FIRST COMMUNITY BANK AND TRUST

BEECHER, ILSmallEst. Nov. 16, 1916, midnightFDIC #15913RSSD #371232FED
Latest · 2025-12-31

FIRST COMMUNITY BANK AND TRUST is an 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%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 6.70%. Operates 2 domestic branches.

Assets
$202M
Deposits
$170M
Loans
$103M
Equity
$26M

Profitability

Return on Assets (ROA)1.51%
Return on Equity (ROE)11.56%
Net Interest Margin4.62%
Yield on Assets5.74%
Cost of Funds1.23%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.72%
Texas Ratio6.70%
NPA Ratio0.91%
ACL / Loans0.99%

Capital & Liquidity

CET1 Ratio13.14%
Tier 1 Capital13.14%
Total Capital Ratio13.79%
Leverage Ratio13.13%
Loan-to-Deposit60.44%

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