First Community Bank, Xenia-Flora
Xenia, IL
IDRSSD: 242
Total Assets
$54.13M
Latest filing
Total Deposits
$46.04M
Latest filing
Net Interest Margin
4.17%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank, Xenia-Flora
260 Front St
Xenia, IL 62899
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1922FDIC Certificate 2505
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Community Bank, Xenia-Flora (Main) | 260 Front St | Xenia, IL |
| FLORA BRANCH | 1400 N State Rd | Flora, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62899 |
| State and County Number | 17025 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fcbxeniaflora.com |
| Data Updated | 11/14/2025 |
| CERT | 3850 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $54.13M |
| Total Deposits | $46.04M |
| Total Liabilities | $49.07M |
| Total Equity Capital | $5.06M |
| Net Income | $240.00k |
| Net Loans and Leases | $30.34M |
| Assets Per Employee ($Millions) | $4.92M |
| Bank Premises and Fixed Assets | $476.00k |
| Cash and Balances due from Depository Institutions | $2.45M |
| Deposits Held in Domestic Offices | $46.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 19.77% |
| Net Interest Margin | 4.17% |
| Efficiency Ratio | 56.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.341% |
| Earning Assets to total Assets | 96.43% |
Income and Expense
| Total Interest Income | $755.00k |
| Total Noninterest Income | $28.00k |
| Total Interest Expense | $201.00k |
| Total Noninterest Expense | $328.00k |
| Net Interest Income | $554.00k |
| Pre-tax Net Operating Income | $254.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.86M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $85.00k |
| Total Liabilities and Capital | $54.13M |
Securities
| Securities | $18.41M |
| Available-for-sale debt securities | $18.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank, Xenia-Flora?
$54.13M as of the latest filing.
How much are First Community Bank, Xenia-Flora's total deposits?
$46.04M in total deposits.
Where is First Community Bank, Xenia-Flora located?
Xenia, IL.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1922.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$30.34M (latest filing).
What is the total interest income (latest filing)?
$755.00k.