First Community Bank Xenia-Flora
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank Xenia-Flora is an FDIC-insured commercial bank headquartered in Xenia, IL, established in 1922 (FDIC certificate 3850), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $55.5M, down 2.0% from Q2 2025, the 290th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3850
- Headquarters
- Xenia, IL
- Established
- 1922
- Total assets, Q2 2026
- $55.5M
- Assets vs Q2 2025
- -2.0%
- Tier 1 leverage ratio, Q2 2026
- 12.03%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081220537
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank Xenia-Flora call report
- Holding company
- FIRST COMMUNITY BANCSHARES
- Asset rank in state
- 290th of 319 in Illinois
First Community Bank Xenia-Flora is one of the more profitable banks of its size. It reported $56 million in assets at June 30, 2026, down 2.0% from a year earlier. It returns 18.9% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 53 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.22% of loans from 1.43%. The non-owner-occupied commercial real estate book ($5.2 million) is worsening: 4.44% of it is past due or on nonaccrual, up from 0.89% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.7 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, First Community Bank Xenia-Flora reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.17%. The figures come from its call report filed with the FFIEC.
First Community Bank Xenia-Flora ranks as the 290th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $55.5M, loans rose 0.6% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.8%. The FDIC Summary of Deposits lists 2 offices for it, in Xenia, IL and Flora, IL; its Xenia office books 57% of its branch deposits. On its Q2 2026 call report, First Community Bank Xenia-Flora meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 260 Front St, Xenia, IL 62899
- County
- Clay
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $47.3M
- Allowance for credit losses
- $176K
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $56.2M
- Average total loans
- $30.6M
- Average interest-bearing deposits
- $35.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3850
- Fed RSSD
- 242
- Website
- www.fcbxeniaflora.com →
- Parent Holding Company
- FIRST COMMUNITY BANCSHARES (RSSD 3088643)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Community Bank Xenia-Flora reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Community Bank Xenia-Flora's total assets moved between a low of $53.2M (Q3 2023) and a high of $57.3M (Q3 2024) from Q3 2023 to Q2 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
$55.5M total assets against $56.7M; $49.9M total liabilities against $52.0M.
$30.5M net loans and leases against $31.2M; $47.3M total deposits against $49.0M.
$19.3M securities against $19.0M; $4.7M cash and balances due against $5.4M.
$734K total interest income against $731K; $182K total interest expense against $211K.
$552K net interest income against $520K.
$26K total noninterest income against $27K; $310K total noninterest expense against $302K.
$0 provision for credit losses against $0.
$260K net income against $257K.
1.85% return on assets against 1.81%; 4.02% net interest margin against 3.72%.
12.03% tier 1 leverage ratio against 10.76%.
Inside the full First Community Bank Xenia-Flora terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q4 2025) to 1.85% (Q2 2026) and its net interest margin ran from 3.65% (Q1 2025) to 4.15% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.03% | 1.85% | 0.22% | 1.17% | 4.02% |
| Q1 2026 | 11.66% | 1.67% | 1.12% | 6.20% | 3.95% |
| Q4 2025 | 11.52% | 0.60% | 1.90% | 10.60% | 3.82% |
| Q3 2025 | 11.30% | 1.73% | 1.58% | 9.18% | 4.15% |
| Q2 2025 | 10.76% | 1.81% | 1.43% | 9.28% | 3.72% |
| Q1 2025 | 10.57% | 1.50% | 1.44% | 9.99% | 3.65% |
| Q4 2024 | 10.82% | 1.14% | 1.42% | 9.74% | 3.69% |
| Q3 2024 | 10.47% | 1.55% | 1.27% | 8.23% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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, Xenia-Flora | Xenia , IL | 62899 | $27.1M |
| Flora Branch | Flora , IL | 62839 | $20.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 344 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 Xenia-Flora
What are First Community Bank Xenia-Flora's total assets?
As of the Q2 2026 filing, First Community Bank Xenia-Flora reported total assets of $55.5 million in its FFIEC call report.
Where is First Community Bank Xenia-Flora headquartered?
It is headquartered in Xenia, IL, United States.
When was First Community Bank Xenia-Flora founded?
It was established in 1922, per the FDIC institution directory.
Is First Community Bank Xenia-Flora FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3850). 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 Xenia-Flora?
First Community Bank Xenia-Flora's primary federal regulator is the Federal Reserve.
How many branches does First Community Bank Xenia-Flora operate?
It operates 2 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 Xenia-Flora's Texas Ratio?
Its Texas Ratio is 1.17% 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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