1st Community Bank: how it compares with its peers
Against 67 IL banks with half to twice its assets, 1st Community Bank's strongest measure in Q2 2026 is net interest margin (4.62% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($3.6M vs. $6.1M).
| Measure | 1st Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 0.96% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 3.74% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.66% | 69.21% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $6.1M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.27% | 57.71% | Context |
What it means for lending operations
Its efficiency ratio of 79.66% is above the 69.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of Industry Industry, IL · $64M
- The First National Bank of Okawville Okawville, IL · $66M
- Farmers State Bank Elmwood, IL · $67M
- North County Savings Bank Red Bud, IL · $63M
- GN Bank Chicago, IL · $60M
Questions about 1st Community Bank
How big is 1st Community Bank?
1st Community Bank, established in 1910, is headquartered in Sherrard, IL. It reported $65M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is 1st Community Bank's return on assets?
0.83% annualized in Q2 2026, against a 0.96% median for 67 IL banks with half to twice its assets, ahead of 46% of them.
What is 1st Community Bank's efficiency ratio?
79.66% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 69.21%, and lower is better.
Is 1st Community Bank growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits shrank 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.