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First Community Bank, Xenia-Flora
Xenia, IL · FDIC Certificate #3850 · Chartered 01/0
Total assets
$55.54M
Total deposits
$47.31M
Total equity
$5.65M
Net loans
$30.54M
Branches (offices)
2
Net income (YTD)
$495.00K
Rank: #4,001 of 4,213 U.S. banks by assets · #293 of 322 in Illinois. Assets changed -2.0% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 18.25% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 10.18% |
| Tier 1 leverage ratio | 12.03% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 64.6% |
| Real estate loans (share of loans) | 73.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $22.32M | 73.1% | |
| Commercial & industrial | $2.40M | 7.9% | |
| Consumer / individual | $3.99M | 13.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $1.01M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $52.25M | $45.72M | $254.00K | $3.22M |
| Jun 2023 | $53.71M | $47.42M | $414.00K | $3.27M |
| Jun 2024 | $56.01M | $49.23M | $411.00K | $3.77M |
| Jun 2025 | $56.67M | $48.97M | $468.00K | $4.66M |
| Jun 2026 | $55.54M | $47.31M | $495.00K | $5.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $47.31M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.31M.
Similar-sized banks
Sidney Federal Savings And Loan Association ($55.56M) · The First Farmers National Bank Of Waurika ($55.52M)
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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