First Community Bank of Moultrie County: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank of Moultrie County, based in Sullivan, Illinois, reported $120 million in assets at June 30, 2026, up 7.5% from a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.13% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 24% from a year earlier, to $378,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 22% of Tier 1 capital, down from 30% a year earlier. Its margin is thin by comparison: it keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First Community Bank of Moultrie County reported a CET1 capital ratio of 19.07%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.58%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 S Main St, Sullivan, IL 61951
- County
- Moultrie
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 5, 1905
- Offices
- 3 domestic
- Employees (FTE)
- 21
- Domestic deposits
- $109.7M
- Allowance for credit losses
- $838K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $122.8M
- Average total loans
- $52.0M
- Average interest-bearing deposits
- $89.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3745
- Fed RSSD
- 459644
- Website
- www.firstmoco.com →
- Parent Holding Company
- SULLIVAN BANCSHARES, INC. (RSSD 1363887)
- Ultimate Parent
- RSSD 5043794
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Community Bank of Moultrie County terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Community Bank of Moultrie County, freeFirst Community Bank of Moultrie County rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 19.07% | 1.23% | 0.10% | 0.58% | 3.32% |
| Q1 2026 | 19.52% | 1.22% | 0.00% | 0.01% | 3.27% |
| Q4 2025 | 18.35% | 1.18% | 0.04% | 0.21% | 3.32% |
| Q3 2025 | 18.09% | 1.14% | 0.07% | 0.42% | 3.27% |
| Q2 2025 | 18.66% | 1.06% | 0.16% | 0.97% | 3.05% |
| Q1 2025 | 19.32% | 1.08% | 0.14% | 0.88% | 3.02% |
| Q4 2024 | 17.75% | 0.98% | 0.00% | 0.00% | 3.06% |
| Q3 2024 | 17.90% | 0.95% | 0.02% | 1.00% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank of Moultrie County (main office) | Sullivan , IL | 61951 | $84.7M |
| Hardware State Bank Branch | Lovington , IL | 61937 | $20.2M |
| Sullivan Branch | Sullivan , IL | 61951 | $4.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2017 | Structure Change | Acquired Hardware State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Community Bank of Moultrie County, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- August 27, 2013, OCC: Formal Agreement: The First National Bank of Sullivan
- Period: Most recent institution action August 27, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 287 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Community Bank of Moultrie County
What are First Community Bank of Moultrie County's total assets?
As of the Q2 2026 filing, First Community Bank of Moultrie County reported total assets of $119.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank of Moultrie County headquartered?
First Community Bank of Moultrie County is headquartered in Sullivan, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Community Bank of Moultrie County founded?
First Community Bank of Moultrie County was established in 1905, per the FDIC institution directory.
Is First Community Bank of Moultrie County FDIC-insured?
Yes. First Community Bank of Moultrie County is an FDIC-insured commercial bank (FDIC Certificate #3745). 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 Moultrie County?
First Community Bank of Moultrie County'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 Moultrie County's CET1 capital ratio?
First Community Bank of Moultrie County reported a Common Equity Tier 1 (CET1) capital ratio of 19.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank of Moultrie County operate?
First Community Bank of Moultrie County operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank of Moultrie County's Texas Ratio?
First Community Bank of Moultrie County's Texas Ratio is 0.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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