First Community Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank and Trust of Beecher, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.47% | 1.34% | +0.13% | 62nd above |
| ROAE | 11.55% | 13.31% | -1.76% | 45th below |
| Net Interest Margin | 4.68% | 3.93% | +0.75% | 85th top |
| Efficiency Ratio | 56.07% | 61.14% | -5.07% | 66th above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.67% | -0.03% | 52nd above |
| Cost of Funds | 1.05% | 1.88% | -0.83% | 89th top |
| Net Interest Spread | 4.06% | 3.32% | +0.74% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.86% | 0.70% | +0.16% | 24th bottom |
| NCO / Avg Loans | -0.24% | 0.16% | -0.40% | 99th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.48% | 7.33% | -0.85% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.47% | 12.14% | +1.33% | 78th top |
| Equity / Assets | 12.76% | 11.37% | +1.39% | 77th top |
| TCE / Tangible Assets | 12.76% | 11.09% | +1.67% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.01% | 80.64% | -25.63% | 88th top |
| Core Deposit Ratio | 97.51% | 86.86% | +10.65% | 94th top |
| Wholesale Funding Ratio | 0.38% | 5.03% | -4.65% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.48% | 6.85% | -4.37% | 35th below |
| Loan Growth (Y/Y) | -4.33% | 7.91% | -12.24% | 9th bottom |
| Deposit Growth (Y/Y) | 2.18% | 6.29% | -4.11% | 36th below |
See First Community Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Community Bank and Trust profile, how to read a UBPR, or how this data updates.