First Community Bank of Moultrie County: 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 Moultrie County of Sullivan, IL against its peer group of 2601 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 16.91% | 13.32% | +3.59% | 75th top |
| Net Interest Margin | 3.32% | 3.93% | -0.61% | 21st bottom |
| Efficiency Ratio | 65.61% | 61.13% | +4.48% | 38th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 4.12% | 5.67% | -1.55% | 3rd bottom |
| Cost of Funds | 0.85% | 1.88% | -1.03% | 94th top |
| Net Interest Spread | 3.06% | 3.32% | -0.26% | 35th below |
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 | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| Texas Ratio | 0.58% | 7.34% | -6.76% | 78th top |
| Provision / NCO | -500.00% | 1395.17% | -1895.17% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.07% | 19.48% | -0.41% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.07% | 19.52% | -0.45% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.32% | 20.60% | -0.28% | 74th above |
| Leverage Ratio | 9.13% | 12.14% | -3.01% | 14th bottom |
| Equity / Assets | 7.54% | 11.37% | -3.83% | 9th bottom |
| TCE / Tangible Assets | 7.29% | 11.08% | -3.79% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.65% | 80.67% | -32.02% | 92nd top |
| Core Deposit Ratio | 97.52% | 86.85% | +10.67% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.47% | 6.84% | +0.63% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.35% | 7.92% | -1.57% | 56th above |
| Deposit Growth (Y/Y) | 6.73% | 6.29% | +0.44% | 69th above |
See First Community Bank of Moultrie County's peers by name
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Unlock First Community Bank of Moultrie County, 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 Moultrie County profile, how to read a UBPR, or how this data updates.