First Community Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Beecher, IL, First Community Bank and Trust serves its local market as an FDIC-insured commercial bank, anchoring the Midwest banking market. As of Q2 2026, the bank held approximately $202M in total assets and $171M in deposits. Returns are notably above industry norms: 1.47% ROA, 11.55% ROE, and 4.68% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.47% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Illinois.
As of June 30, 2026, First Community Bank and Trust reported a Tier 1 leverage ratio of 13.47%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 6.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1111 Dixie Hwy, Beecher, IL 60401
- County
- Will
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 16, 1916
- Former names
- Farmers State Bank of Beecher (1976-1996)
- Offices
- 2 domestic
- Employees (FTE)
- 28
- Domestic deposits
- $170.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$104K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 1952
- FDIC Cert
- 15913
- Fed RSSD
- 371232
- SEC CIK
- 1515807 → filed by FIRST COMMUNITY BANCORP, INC.
- Website
- www.firstcbt.bank →
- Parent Holding Company
- FIRST COMMUNITY BANCORP, INC. (RSSD 1208018)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Community Bank and Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Community Bank and Trust, freeFirst Community Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.47% | 1.47% | 0.00% | 6.48% | 4.68% |
| Q1 2026 | 13.31% | 1.72% | 0.00% | 6.81% | 4.52% |
| Q4 2025 | 13.13% | 1.49% | 0.00% | 6.70% | 4.54% |
| Q3 2025 | 13.72% | 1.51% | 2.56% | 11.30% | 4.48% |
| Q2 2025 | 13.65% | 1.03% | 3.37% | 14.00% | 4.56% |
| Q1 2025 | 12.92% | 0.99% | 3.42% | 14.58% | 3.99% |
| Q4 2024 | 12.30% | 1.95% | 3.35% | 14.84% | 4.18% |
| Q3 2024 | 12.60% | 1.43% | 3.79% | 14.85% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank and Trust (main office) | Beecher , IL | 60401 | $117.8M |
| Peotone Branch | Peotone , IL | 60468 | $53.1M |
Regulatory record
What the public regulatory sources show for First Community Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 6 against individuals associated with it
- July 25, 2002, Federal Reserve: Written Agreement: Community First Bank and Trust, Celina, OH
- Period: Most recent institution action July 25, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 234 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 7 loans originated, $665K originated, across 2 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First Community Bank and Trust’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First Community Bank and Trust with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about First Community Bank and Trust
What are First Community Bank and Trust's total assets?
As of the Q2 2026 filing, First Community Bank and Trust reported total assets of $201.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank and Trust headquartered?
First Community Bank and Trust is headquartered in Beecher, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank and Trust founded?
First Community Bank and Trust was established in 1916, per the FDIC institution directory.
Is First Community Bank and Trust FDIC-insured?
Yes. First Community Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #15913). 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 and Trust?
First Community Bank and Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Community Bank and Trust operate?
First Community Bank and Trust 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 and Trust's Texas Ratio?
First Community Bank and Trust's Texas Ratio is 6.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Community Bank and Trust previously called?
The charter now named First Community Bank and Trust has also operated as Farmers State Bank of Beecher (1976-1996), per FDIC structure-change records.
Go deeper on First Community Bank and Trust.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First Community Bank and Trust, freeFree account