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First Community Bank and Trust

Beecher, IL
IDRSSD: 371232
Total Assets
$205.44M
Latest filing
Total Deposits
$169.73M
Latest filing
Net Interest Margin
4.44%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date11/16/1916
Community BankYes
Ownership TypeNot Mutual
ZIP60401
State and County Number17197
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameChicago-Naperville-Elgin, IL-IN-WI

Operational Info

Number of Employees29
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance10/04/1952
Primary Insurance AgencyDIF
Websitewww.firstcbt.bank
Data Updated11/14/2025
CERT15913
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$205.44M
Total Deposits$169.73M
Total Liabilities$178.84M
Total Equity Capital$26.60M
Net Income$753.00k
Net Loans and Leases$103.19M
Assets Per Employee ($Millions)$7.08M
Bank Premises and Fixed Assets$2.00M
Cash and Balances due from Depository Institutions$27.81M
Deposits Held in Domestic Offices$169.73M

Key Performance Ratios

Return on Assets (ROA)1.5%
Return on Equity (ROE)11.62%
Net Interest Margin4.44%
Efficiency Ratio53.89%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.25%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.948%
Earning Assets to total Assets93.2%

Income and Expense

Total Interest Income$2.59M
Total Noninterest Income$325.00k
Total Interest Expense$508.00k
Total Noninterest Expense$1.29M
Net Interest Income$2.08M
Pre-tax Net Operating Income$982.00k
Provision for Credit Losses$126.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$459.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$5.16M
All Other Liabilities$3.94M
Total Liabilities and Capital$205.44M

Securities

Securities$63.17M
Available-for-sale debt securities$63.17M
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 and Trust?
$205.44M as of the latest filing.
How much are First Community Bank and Trust's total deposits?
$169.73M in total deposits.
Where is First Community Bank and Trust located?
Beecher, IL.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
2.
When was it established?
11/16/1916.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$103.19M (latest filing).
What is the total interest income (latest filing)?
$2.59M.