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1St Community Bank
Sherrard, IL · FDIC Certificate #11706 · Chartered 01/0
Total assets
$65.29M
Total deposits
$58.25M
Total equity
$6.55M
Net loans
$46.17M
Branches (offices)
2
Net income (YTD)
$275.00K
Rank: #3,933 of 4,213 U.S. banks by assets · #287 of 322 in Illinois. Assets changed -1.0% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 8.32% |
| Net interest margin (YTD) | 4.62% |
| Equity to assets | 10.04% |
| Tier 1 leverage ratio | 10.04% |
| Uninsured deposits (share of deposits) | 18.5% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 61.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.35M | 61.4% | |
| Commercial & industrial | $3.34M | 7.2% | |
| Consumer / individual | $1.37M | 3.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $13.51M | 29.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $68.56M | $61.70M | $36.00K | $6.61M |
| Jun 2023 | $66.15M | $58.96M | $297.00K | $6.85M |
| Jun 2024 | $66.05M | $58.78M | $361.00K | $6.77M |
| Jun 2025 | $65.97M | $58.77M | $332.00K | $6.75M |
| Jun 2026 | $65.29M | $58.25M | $275.00K | $6.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $58.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $58.25M.
Similar-sized banks
Latimer State Bank ($65.53M) · First Security Bank ($65.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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