First Community Bank of Moultrie County: how it compares with its peers
Against 117 IL banks with half to twice its assets, First Community Bank of Moultrie County's strongest measure in Q2 2026 is return on assets (1.24% vs. a 1.07% peer median). Its weakest relative measure is net interest margin (3.39% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.07% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 3.75% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.77% | 66.49% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.88% | 69.34% | Context |
What it means for lending operations
Its efficiency ratio of 65.77% is better than the 66.49% 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
- American Metro Bank Chicago, IL · $119M
- The Granville National Bank Granville, IL · $118M
- Collinsville Building and Loan Association Collinsville, IL · $118M
- Midwest National Bank Sandoval, IL · $123M
- The State Bank of Geneva Geneva, IL · $116M
- Princeville State Bank Princeville, IL · $124M
Questions about First Community Bank of Moultrie County
How big is First Community Bank of Moultrie County?
First Community Bank of Moultrie County, established in 1905, is headquartered in Sullivan, IL. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First Community Bank of Moultrie County's return on assets?
1.24% annualized in Q2 2026, against a 1.07% median for 117 IL banks with half to twice its assets, ahead of 64% of them.
What is First Community Bank of Moultrie County's efficiency ratio?
65.77% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 66.49%, and lower is better.
Is First Community Bank of Moultrie County growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 6.7%.
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.