First Community Bank of Hillsboro: how it compares with its peers
Against 121 IL banks with half to twice its assets, First Community Bank of Hillsboro's strongest measure in Q2 2026 is efficiency ratio (64.21% vs. a 66.03% peer median). Its weakest relative measure is net interest margin (3.18% vs. 3.78%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.12% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.18% | 3.78% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.21% | 66.03% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.3M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.60% | 70.43% | Context |
What it means for lending operations
Its efficiency ratio of 64.21% is better than the 66.03% 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
- The Iuka State Bank Salem, IL · $133M
- Bank of Kampsville Kampsville, IL · $134M
- Rushville State Bank Rushville, IL · $135M
- The Litchfield National Bank Litchfield, IL · $136M
- Farmers State Bank & Trust Co. Mount Sterling, IL · $130M
- Southern Illinois Bank Johnston City, IL · $136M
Questions about First Community Bank of Hillsboro
How big is First Community Bank of Hillsboro?
First Community Bank of Hillsboro, established in 1998, is headquartered in Hillsboro, IL. It reported $133M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Community Bank of Hillsboro's return on assets?
1.03% annualized in Q2 2026, against a 1.12% median for 121 IL banks with half to twice its assets, ahead of 45% of them.
What is First Community Bank of Hillsboro's efficiency ratio?
64.21% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 66.03%, and lower is better.
Is First Community Bank of Hillsboro growing its loans?
Net loans grew 11.6% 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.