First Community Bank of Hillsboro
Also written as FCB of Hillsboro
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank of Hillsboro is an FDIC-insured commercial bank headquartered in Hillsboro, IL, established in 1998 (FDIC certificate 34752), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $133.3M, down 2.3% from Q2 2025, the 240th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34752
- Headquarters
- Hillsboro, IL
- Established
- 1998
- Total assets, Q2 2026
- $133.3M
- Assets vs Q2 2025
- -2.3%
- Tier 1 leverage ratio, Q2 2026
- 11.59%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081925816
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank of Hillsboro call report
- Holding company
- FIRST COMMUNITY BANC HOLDING COMPANY
- Asset rank in state
- 240th of 319 in Illinois
First Community Bank of Hillsboro, based in Hillsboro, Illinois, reported $133 million in assets at June 30, 2026, down 2.3% from a year earlier. It holds commercial real estate loans equal to only 8% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 28% from a year earlier, to $354,000. Over the same year, loans grew 11.7% and deposits grew 2.2%.
As of June 30, 2026, First Community Bank of Hillsboro reported a return on assets of 1.06%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Community Bank of Hillsboro is the 240th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $133.3M, loans rose 1.2% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 37.2% of total loans, ahead of agricultural production loans at 23.8%. The FDIC Summary of Deposits lists 2 offices for it, in Hillsboro, IL. By the capital ratios in its Q2 2026 call report, First Community Bank of Hillsboro meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 807 S Main St, Hillsboro, IL 62049
- County
- Montgomery
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 29, 1998
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $103.2M
- Allowance for credit losses
- $916K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $134.0M
- Average total loans
- $88.2M
- Average interest-bearing deposits
- $83.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 29, 1998
- FDIC Cert
- 34752
- Fed RSSD
- 2696180
- Website
- www.fcbhillsboro.com →
- Parent Holding Company
- FIRST COMMUNITY BANC HOLDING COMPANY (RSSD 2917278)
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 of Hillsboro 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 of Hillsboro's total assets ranged from $132.1M (Q4 2024) to $157.8M (Q3 2023), 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
$133.3M total assets against $136.5M; $118.7M total liabilities against $124.3M.
$87.3M net loans and leases against $78.2M; $103.2M total deposits against $100.9M.
$35.7M securities against $45.7M; $5.8M cash and balances due against $8.5M.
$1.5M total interest income against $1.4M; $462K total interest expense against $547K.
$1.1M net interest income against $844K.
$146K total noninterest income against $151K; $766K total noninterest expense against $703K.
$53K provision for credit losses against $16K.
$354K net income against $276K.
1.06% return on assets against 0.80%; 3.27% net interest margin against 2.49%.
11.59% tier 1 leverage ratio against 10.52%.
Inside the full First Community Bank of Hillsboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Community Bank of Hillsboro rankings
Its closest position to the top of a national ranking is 2,102 of 3,606, for efficiency ratio; its furthest is 3,430 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q4 2024) to 1.06% (Q2 2026) and its net interest margin ran from 2.02% (Q3 2024) to 3.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.59% | 1.06% | 0.10% | 0.56% | 3.27% |
| Q1 2026 | 11.24% | 1.00% | 0.00% | 0.00% | 3.03% |
| Q4 2025 | 10.91% | 0.87% | 0.00% | 0.00% | 2.91% |
| Q3 2025 | 10.79% | 1.01% | 0.63% | 3.62% | 2.74% |
| Q2 2025 | 10.52% | 0.80% | 0.44% | 2.70% | 2.49% |
| Q1 2025 | 10.71% | 0.52% | 0.47% | 3.22% | 2.33% |
| Q4 2024 | 10.19% | 0.39% | 0.48% | 3.11% | 2.03% |
| Q3 2024 | 9.84% | 0.65% | 0.52% | 3.13% | 2.02% |
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 of Hillsboro (main office) | Hillsboro , IL | 62049 | $103.2M |
| First Community Bank of Hillsboro - Website Branch | Hillsboro , IL | 62049 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 293 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Hillsboro
What are First Community Bank of Hillsboro's total assets?
As of the Q2 2026 filing, First Community Bank of Hillsboro reported total assets of $133.3 million in its FFIEC call report.
Where is First Community Bank of Hillsboro headquartered?
It is headquartered in Hillsboro, IL, United States.
When was First Community Bank of Hillsboro founded?
It was established in 1998, per the FDIC institution directory.
Is First Community Bank of Hillsboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34752). 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 Hillsboro?
First Community Bank of Hillsboro's primary federal regulator is the FDIC.
How many branches does First Community Bank of Hillsboro 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 of Hillsboro's Texas Ratio?
Its Texas Ratio is 0.56% 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.
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