First Community Bank of Moultrie County
Also written as FCB of Moultrie County
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank of Moultrie County is an FDIC-insured commercial bank headquartered in Sullivan, IL, established in 1905 (FDIC certificate 3745), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $119.7M, up 7.5% from Q2 2025, the 248th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3745
- Headquarters
- Sullivan, IL
- Established
- 1905
- Total assets, Q2 2026
- $119.7M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 19.07%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071105507
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank of Moultrie County Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- SULLIVAN BANCSHARES, INC.
- Asset rank in state
- 248th of 319 in Illinois
First Community Bank of Moultrie County, based in Sullivan, Illinois, reported $120 million in assets at June 30, 2026, up 7.5% from a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.13% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 24% from a year earlier, to $378,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 22% of Tier 1 capital, down from 30% a year earlier. Its margin is thin by comparison: it keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, First Community Bank of Moultrie County reported a CET1 capital ratio of 19.07%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.58%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Community Bank of Moultrie County is the 248th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.2% to $119.7M, loans rose 4.4% and deposits fell 3.6%. 1-4 family residential loans made up 44.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 13.4%. Its 3 offices in the FDIC Summary of Deposits are in Sullivan, IL and Lovington, IL; its Sullivan 2 offices book 82% of its branch deposits. Judged on its Q2 2026 call report, First Community Bank of Moultrie County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Main St, Sullivan, IL 61951
- County
- Moultrie
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 5, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $109.7M
- Allowance for credit losses
- $838K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $122.8M
- Average total loans
- $52.0M
- Average interest-bearing deposits
- $89.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3745
- Fed RSSD
- 459644
- Website
- www.firstmoco.com →
- Parent Holding Company
- SULLIVAN BANCSHARES, INC. (RSSD 1363887)
- Ultimate Parent
- RSSD 5043794
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Community Bank of Moultrie County's total assets ranged from $108.9M (Q3 2023) to $123.7M (Q1 2026), 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
$119.7M total assets against $111.4M; $110.7M total liabilities against $103.7M.
$52.5M net loans and leases against $49.3M; $109.7M total deposits against $102.8M.
$46.9M securities against $45.8M; $14.8M cash and balances due against $10.9M.
$1.2M total interest income against $1.0M; $238K total interest expense against $226K.
$981K net interest income against $822K.
$142K total noninterest income against $156K; $745K total noninterest expense against $672K.
No provision recorded in the last 12 quarters.
$378K net income against $306K.
1.23% return on assets against 1.06%; 3.32% net interest margin against 3.05%.
19.07% CET1 capital ratio against 18.66%; 9.13% tier 1 leverage ratio against 9.16%.
Inside the full First Community Bank of Moultrie County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Community Bank of Moultrie County rankings
Its closest position to the top of a national ranking is 389 of 2,134, for CET1 ratio; its furthest is 3,520 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q3 2024) to 1.23% (Q2 2026) and its net interest margin ran from 2.84% (Q3 2024) to 3.32% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.07% | 1.23% | 0.10% | 0.58% | 3.32% |
| Q1 2026 | 19.52% | 1.22% | 0.00% | 0.01% | 3.27% |
| Q4 2025 | 18.35% | 1.18% | 0.04% | 0.21% | 3.32% |
| Q3 2025 | 18.09% | 1.14% | 0.07% | 0.42% | 3.27% |
| Q2 2025 | 18.66% | 1.06% | 0.16% | 0.97% | 3.05% |
| Q1 2025 | 19.32% | 1.08% | 0.14% | 0.88% | 3.02% |
| Q4 2024 | 17.75% | 0.98% | 0.00% | 0.00% | 3.06% |
| Q3 2024 | 17.90% | 0.95% | 0.02% | 1.00% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Moultrie County (main office) | Sullivan , IL | 61951 | $84.7M |
| Hardware State Bank Branch | Lovington , IL | 61937 | $20.2M |
| Sullivan Branch | Sullivan , IL | 61951 | $4.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2017 | Structure Change | Acquired Hardware State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 27, 2013, OCC: Formal Agreement: The First National Bank of Sullivan
- Period: Most recent institution action August 27, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 287 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 Moultrie County
What are First Community Bank of Moultrie County's total assets?
As of the Q2 2026 filing, First Community Bank of Moultrie County reported total assets of $119.7 million in its FFIEC call report.
Where is First Community Bank of Moultrie County headquartered?
It is headquartered in Sullivan, IL, United States.
When was First Community Bank of Moultrie County founded?
It was established in 1905, per the FDIC institution directory.
Is First Community Bank of Moultrie County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3745). 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 Moultrie County?
First Community Bank of Moultrie County's primary federal regulator is the FDIC.
What is First Community Bank of Moultrie County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank of Moultrie County operate?
It operates 3 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 Moultrie County's Texas Ratio?
Its Texas Ratio is 0.58% 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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