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First Community Bank And Trust
Beecher, IL · FDIC Certificate #15913 · Chartered 11/1
Total assets
$201.67M
Total deposits
$170.83M
Total equity
$25.73M
Net loans
$92.83M
Branches (offices)
2
Net income (YTD)
$1.63M
Rank: #2,960 of 4,213 U.S. banks by assets · #194 of 322 in Illinois. Assets changed 2.5% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.61% |
| Return on equity | 12.47% |
| Net interest margin (YTD) | 4.60% |
| Equity to assets | 12.76% |
| Tier 1 leverage ratio | 13.47% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.21% |
| Loans to deposits | 54.3% |
| Real estate loans (share of loans) | 63.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.22M | 63.8% | |
| Commercial & industrial | $24.61M | 26.5% | |
| Consumer / individual | $2.90M | 3.1% | |
| Construction & development | $1.15M | 1.2% | |
| Agricultural | $2.10M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $205.97M | $181.59M | $421.00K | $19.13M |
| Jun 2023 | $191.08M | $164.26M | $1.37M | $19.99M |
| Jun 2024 | $207.87M | $180.85M | $1.28M | $22.72M |
| Jun 2025 | $196.80M | $167.19M | $1.01M | $25.26M |
| Jun 2026 | $201.67M | $170.83M | $1.63M | $25.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $170.83M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $170.83M.
Similar-sized banks
Mountain Valley Bank, N.A. ($201.90M) · Iowa Falls State Bank ($201.50M)
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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