FDIC Cert #15913 · Beecher, Illinois · Est. 1916

First Community Bank and Trust - FDIC Bank Health Profile

A community-scale look at First Community Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$202M
Total assets
A
Health grade · Excellent
1.25%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

First Community Bank and Trust earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.13% Tier 1, profitable at 1.25% ROA, efficient (57% cost ratio).

#2,997
largest of 4,313 FDIC banks by assets
30th
percentile by asset size, nationally
13.13%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 15913 · IL A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1275/4307
  • PHOTO-FINISH Quoin Financial Bank · SD
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.25% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Quoin Financial Bank, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Community Bank and Trust

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Community Bank… · IL ·…87/100Iowa Falls State Bank · IA ·…87/100Quoin Financial Bank · SD · …87/100Rolling Hills Bank &… · IA ·…87/100Southern Bank and Tr… · NC ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Community Bank and Trust · July 2026

Call Report read for First Community Bank and Trust in a high-failure state

First Community Bank and Trust (FDIC Cert #15913) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,275 of 4,307. Tier 1 capital prints at 13.13%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.25%. Balance-sheet scale is $202M, 2,997th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Quoin Financial Bank (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Community Bank and Trust

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

First Community Bank and Trust sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about First Community Bank and Trust's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How First Community Bank and Trust's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
First Community Bank and Trust's composite health score
Tier 1 Capital Ratio (13.13%) 35/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (57.31%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$202M

Total balance-sheet footings

Total Deposits

$170M

Customer-funded liabilities

Net Loans

$102M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.73% 13.13% 14.53%
Basel III capital ratios - First Community Bank and Trust

Where First Community Bank and Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Community Bank and Trust's score of 87/100 falls in the highlighted band.

First Community Bank and Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 30% higher than 70% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Community Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Community Bank and Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Community Bank and Trust's $202M falls in the highlighted band.

Capital & credit buffers at First Community Bank and Trust

Tier 1 capital ratio
Well-capitalized 10%

13.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.13%
Texas Ratio
0.00%
Equity Capital
$26M

What these ratios mean →

Earnings posture at First Community Bank and Trust

Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
9.92%
Efficiency Ratio
57.31%

What these mean →

Income & expense at First Community Bank and Trust

$10M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Community Bank and Trust reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Community Bank and Trust on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($202M here), outside Illinois so the neighborhood is not state containment.

First Texas National Bank $202M · TX Century Bank of Kentucky, Inc. $202M · KY Central Bank and Trust $202M · WY Gouverneur Savings and Loan Associati… $202M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Community Bank and Trust (FDIC Cert #15913) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Community Bank and Trust Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%