First Community Bank Xenia-Flora: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank Xenia-Flora of Xenia, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.85% | 3.14% | -1.29% | 80th top |
| ROAE | 18.92% | 10.40% | +8.52% | 90th top |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 58th above |
| Efficiency Ratio | 52.78% | 76.34% | -23.56% | 83rd top |
| PPNR / Avg Assets | 1.91% | 1.40% | +0.51% | 76th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.33% | 5.35% | -0.02% | 54th above |
| Cost of Funds | 1.51% | 1.70% | -0.19% | 52nd above |
| Net Interest Spread | 3.40% | 3.31% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 1.34% | -1.17% | 55th above |
| NPA / Total Assets | 0.09% | 0.71% | -0.62% | 53rd above |
| NCO / Avg Loans | -0.05% | 0.11% | -0.16% | 91st top |
| ACL / Total Loans | 0.57% | 1.49% | -0.92% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 345.10% | 865.33% | -520.23% | 72nd above |
| Texas Ratio | 1.17% | 8.26% | -7.09% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.03% | 17.61% | -5.58% | 38th below |
| Equity / Assets | 10.18% | 16.43% | -6.25% | 28th below |
| TCE / Tangible Assets | 10.18% | 16.18% | -6.00% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.92% | 72.84% | -7.92% | 53rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.68% | 88.21% | +2.47% | 47th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.50% | 5.28% | -0.78% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.00% | 4.31% | -6.31% | 21st bottom |
| Loan Growth (Y/Y) | -2.13% | 6.74% | -8.87% | 31st below |
| Deposit Growth (Y/Y) | -3.40% | 3.78% | -7.18% | 19th bottom |
See First Community Bank Xenia-Flora's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank Xenia-Flora, 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 Xenia-Flora profile, how to read a UBPR, or how this data updates.