First Community Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank and Trust is an FDIC-insured commercial bank headquartered in Beecher, IL, established in 1916 (FDIC certificate 15913), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $201.7M, up 2.5% from Q2 2025, the 192nd largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15913
- Headquarters
- Beecher, IL
- Established
- 1916
- Total assets, Q2 2026
- $201.7M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 13.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071911652
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank and Trust call report
- Holding company
- FIRST COMMUNITY BANCORP, INC.
- Asset rank in state
- 192nd of 319 in Illinois
First Community Bank and Trust, based in Beecher, Illinois, reported $202 million in assets at June 30, 2026, up 2.5% from a year earlier. It shrank its loan book 4.3% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.05% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 3.37%. Earnings jumped: net income for the quarter was $748,000, 48% above the same quarter a year earlier.
As of June 30, 2026, First Community Bank and Trust reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 6.48%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Community Bank and Trust is the 192nd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $201.7M, loans fell 7.3% and deposits were flat. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.2% of total loans, ahead of commercial and industrial loans at 26.2%. Its 2 offices in the FDIC Summary of Deposits are in Beecher, IL and Peotone, IL; its Beecher office books 69% of its branch deposits. Judged on its Q2 2026 call report, First Community Bank and Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1111 Dixie Hwy, Beecher, IL 60401
- County
- Will
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 16, 1916
- Former names
- Farmers State Bank of Beecher (1976-1996)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $170.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$104K
- Average total assets
- $202.9M
- Average total loans
- $97.7M
- Average interest-bearing deposits
- $111.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 1952
- FDIC Cert
- 15913
- Fed RSSD
- 371232
- SEC CIK
- 1515807 → filed by FIRST COMMUNITY BANCORP, INC.
- Website
- www.firstcbt.bank →
- Parent Holding Company
- FIRST COMMUNITY BANCORP, INC. (RSSD 1208018)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Community Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Community Bank and Trust's total assets ranged from $191.5M (Q3 2023) to $207.9M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$201.7M total assets against $196.8M; $175.9M total liabilities against $171.5M.
$92.8M net loans and leases against $96.6M; $170.8M total deposits against $167.2M.
$65.6M securities against $65.9M; $28.2M cash and balances due against $22.8M.
$2.6M total interest income against $2.5M; $449K total interest expense against $418K.
$2.2M net interest income against $2.1M.
$305K total noninterest income against $301K; $1.4M total noninterest expense against $1.3M.
$99K provision for credit losses against $425K.
$748K net income against $505K.
1.47% return on assets against 1.03%; 4.68% net interest margin against 4.56%.
13.47% tier 1 leverage ratio against 13.65%.
Inside the full First Community Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Community Bank and Trust rankings
Its closest position to the top of a national ranking is 1,047 of 3,640, for Texas Ratio; its furthest is 2,948 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q1 2025) to 1.95% (Q4 2024) and its net interest margin ran from 3.99% (Q1 2025) to 4.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.47% | 1.47% | 0.00% | 6.48% | 4.68% |
| Q1 2026 | 13.31% | 1.72% | 0.00% | 6.81% | 4.52% |
| Q4 2025 | 13.13% | 1.49% | 0.00% | 6.70% | 4.54% |
| Q3 2025 | 13.72% | 1.51% | 2.56% | 11.30% | 4.48% |
| Q2 2025 | 13.65% | 1.03% | 3.37% | 14.00% | 4.56% |
| Q1 2025 | 12.92% | 0.99% | 3.42% | 14.58% | 3.99% |
| Q4 2024 | 12.30% | 1.95% | 3.35% | 14.84% | 4.18% |
| Q3 2024 | 12.60% | 1.43% | 3.79% | 14.85% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank and Trust (main office) | Beecher , IL | 60401 | $117.8M |
| Peotone Branch | Peotone , IL | 60468 | $53.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 6 against individuals associated with it
- July 25, 2002, Federal Reserve: Written Agreement: Community First Bank and Trust, Celina, OH
- Period: Most recent institution action July 25, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 234 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 7 loans originated, $665K originated, across 2 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Community Bank and Trust
What are First Community Bank and Trust's total assets?
As of the Q2 2026 filing, First Community Bank and Trust reported total assets of $201.7 million in its FFIEC call report.
Where is First Community Bank and Trust headquartered?
It is headquartered in Beecher, IL, United States.
When was First Community Bank and Trust founded?
It was established in 1916, per the FDIC institution directory.
Is First Community Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15913). 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 and Trust?
First Community Bank and Trust's primary federal regulator is the Federal Reserve.
How many branches does First Community Bank and Trust operate?
It operates 2 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 and Trust's Texas Ratio?
Its Texas Ratio is 6.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Community Bank and Trust previously called?
The charter now named First Community Bank and Trust has also operated as Farmers State Bank of Beecher (1976-1996), per FDIC structure-change records.
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