First Community Bank and Trust: how it compares with its peers
Against 141 IL banks with half to twice its assets, First Community Bank and Trust's strongest measure in Q2 2026 is net interest margin (4.60% vs. a 3.73% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.18% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.60% | 3.73% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.19% | 64.80% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $6.5M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.34% | 74.59% | Context |
What it means for lending operations
Its efficiency ratio of 56.19% is better than the 64.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- SmartBiz Bank, National Association Northbrook, IL · $201M
- First National Bank in Taylorville Taylorville, IL · $200M
- Scott State Bank Bethany, IL · $204M
- Fidelity Bank Savanna, IL · $199M
- Vermilion Valley Bank Piper City, IL · $198M
- Murphy-Wall State Bank and Trust Company Pinckneyville, IL · $206M
Questions about First Community Bank and Trust
How big is First Community Bank and Trust?
First Community Bank and Trust, established in 1916, is headquartered in Beecher, IL. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Community Bank and Trust's return on assets?
1.61% annualized in Q2 2026, against a 1.18% median for 141 IL banks with half to twice its assets, ahead of 80% of them.
What is First Community Bank and Trust's efficiency ratio?
56.19% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is First Community Bank and Trust growing its loans?
Net loans shrank 3.9% over the year to Q2 2026, while deposits grew 2.2%.
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.