First Community Bank of Hillsboro: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 40.98 percentage points higher than in Q1 2026, at 587.18%. Within Illinois, First Community Bank of Hillsboro is 193rd of 323 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Community Bank of Hillsboro sits 0.20 points lower, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.59% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.56% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 587.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.85% |
| Net interest margin | 3.27% |
| Efficiency ratio | 62.61% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.49% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.43% |
| Securities to assets | 26.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.05% | 0.50% | 1.78% | 0.27% | 0.00% |
| Q4 2023 | 9.22% | 0.28% | 1.52% | 0.24% | 0.08% |
| Q1 2024 | 9.20% | 0.09% | 1.59% | 0.24% | 0.00% |
| Q2 2024 | 9.55% | 0.35% | 1.75% | 0.68% | 0.00% |
| Q3 2024 | 9.84% | 0.65% | 2.02% | 0.67% | 0.01% |
| Q4 2024 | 10.19% | 0.39% | 2.03% | 0.70% | 0.02% |
| Q1 2025 | 10.71% | 0.52% | 2.33% | 0.63% | 0.00% |
| Q2 2025 | 10.52% | 0.80% | 2.49% | 0.61% | 0.16% |
| Q3 2025 | 10.79% | 1.01% | 2.74% | 0.20% | -0.01% |
| Q4 2025 | 10.91% | 0.87% | 2.91% | 0.18% | 0.00% |
| Q1 2026 | 11.24% | 1.00% | 3.03% | 0.18% | -0.00% |
| Q2 2026 | 11.59% | 1.06% | 3.27% | 0.18% | 0.00% |
First Community Bank of Hillsboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Hillsboro, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank of Hillsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34752) · FFIEC NIC profile (RSSD 2696180)