First Community Bank of Hillsboro: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Hillsboro of Hillsboro, IL against its peer group of 2603 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 | 1.06% | 1.34% | -0.28% | 36th below |
| ROAE | 9.85% | 13.32% | -3.47% | 35th below |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 62.61% | 61.13% | +1.48% | 46th below |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 33rd below |
| Yield on Earning Assets | 4.67% | 5.67% | -1.00% | 13th bottom |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 2.89% | 3.32% | -0.43% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 66th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 68th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 587.18% | 1546.26% | -959.08% | 74th above |
| Texas Ratio | 1.56% | 7.34% | -5.78% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.59% | 12.14% | -0.55% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.36% | -0.44% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.08% | -0.16% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.49% | 80.66% | +4.83% | 39th below |
| Core Deposit Ratio | 86.04% | 86.85% | -0.81% | 35th below |
| Wholesale Funding Ratio | 11.29% | 5.03% | +6.26% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.33% | 6.84% | -9.17% | 10th bottom |
| Loan Growth (Y/Y) | 11.72% | 7.92% | +3.80% | 79th top |
| Deposit Growth (Y/Y) | 2.24% | 6.29% | -4.05% | 37th below |
See First Community Bank of Hillsboro's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank of Hillsboro, 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 of Hillsboro profile, how to read a UBPR, or how this data updates.