First Community Bank Xenia-Flora: 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 Reserve coverage of non-performing loans: 255.98 percentage points higher than in Q1 2026, at 345.10%. First Community Bank Xenia-Flora ranks 42nd of 323 Illinois banks on return on assets, in the upper half at 1.85% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, First Community Bank Xenia-Flora reported 1.85% on return on assets in Q2 2026, 0.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.03% |
| Equity capital to assets | 10.18% |
| Tangible equity to tangible assets | 10.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 1.17% |
| Allowance for credit losses to loans | 0.57% |
| Reserve coverage of non-performing loans | 345.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 18.92% |
| Net interest margin | 4.02% |
| Efficiency ratio | 52.78% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.92% |
| Core deposits to total deposits | 90.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.18% |
| Securities to assets | 34.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.66% | 1.70% | 3.49% | 0.11% | 0.00% |
| Q4 2023 | 10.75% | 0.81% | 3.47% | 0.07% | 0.05% |
| Q1 2024 | 10.27% | 1.73% | 3.54% | 0.05% | 0.09% |
| Q2 2024 | 10.33% | 1.22% | 3.48% | 0.09% | 0.05% |
| Q3 2024 | 10.47% | 1.55% | 3.68% | 0.09% | -0.03% |
| Q4 2024 | 10.82% | 1.14% | 3.69% | 0.32% | 0.25% |
| Q1 2025 | 10.57% | 1.50% | 3.65% | 0.07% | 0.04% |
| Q2 2025 | 10.76% | 1.81% | 3.72% | 0.70% | -0.05% |
| Q3 2025 | 11.30% | 1.73% | 4.15% | 0.34% | -0.04% |
| Q4 2025 | 11.52% | 0.60% | 3.82% | 0.73% | 1.26% |
| Q1 2026 | 11.66% | 1.67% | 3.95% | 0.63% | -0.03% |
| Q2 2026 | 12.03% | 1.85% | 4.02% | 0.17% | -0.05% |
First Community Bank Xenia-Flora vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank Xenia-Flora, 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 Xenia-Flora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3850) · FFIEC NIC profile (RSSD 242)