First Community Bank of Moultrie County: 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 Loan-to-deposit ratio: 3.73 percentage points higher than in Q1 2026, at 48.65%. First Community Bank of Moultrie County ranks 151st of 323 Illinois banks on return on assets, in the upper half at 1.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; First Community Bank of Moultrie County reported 1.23% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.07% |
| Tier 1 risk-based capital ratio | 19.07% |
| Total risk-based capital ratio | 20.32% |
| Tier 1 leverage ratio | 9.13% |
| Equity capital to assets | 7.54% |
| Tangible equity to tangible assets | 7.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.58% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 16.91% |
| Net interest margin | 3.32% |
| Efficiency ratio | 65.61% |
| Yield on earning assets | 4.12% |
| Cost of funds | 0.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.65% |
| Core deposits to total deposits | 97.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.59% |
| Securities to assets | 39.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.93% | 18.93% | 20.19% | 8.65% | 0.84% |
| Q4 2023 | 18.31% | 18.31% | 19.57% | 8.58% | 0.81% |
| Q1 2024 | 18.93% | 18.93% | 20.19% | 8.78% | 1.04% |
| Q2 2024 | 18.32% | 18.32% | 19.58% | 8.79% | 0.93% |
| Q3 2024 | 17.90% | 17.90% | 19.16% | 8.73% | 0.95% |
| Q4 2024 | 17.75% | 17.75% | 19.00% | 8.80% | 0.98% |
| Q1 2025 | 19.32% | 19.32% | 20.58% | 8.81% | 1.08% |
| Q2 2025 | 18.66% | 18.66% | 19.92% | 9.16% | 1.06% |
| Q3 2025 | 18.09% | 18.09% | 19.34% | 8.88% | 1.14% |
| Q4 2025 | 18.35% | 18.35% | 19.60% | 8.99% | 1.18% |
| Q1 2026 | 19.52% | 19.52% | 20.77% | 9.01% | 1.22% |
| Q2 2026 | 19.07% | 19.07% | 20.32% | 9.13% | 1.23% |
First Community Bank of Moultrie County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Moultrie County, 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 Moultrie County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3745) · FFIEC NIC profile (RSSD 459644)