First Community Bank, Xenia-Flora: how it compares with its peers
Against 55 IL banks with half to twice its assets, First Community Bank, Xenia-Flora's strongest measure in Q2 2026 is return on assets (1.76% vs. a 0.93% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 0.93% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.74% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.18% | 72.50% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.0M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.55% | 54.51% | Context |
What it means for lending operations
Its efficiency ratio of 56.18% is better than the 72.50% 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
- Community National Bank in Monmouth Monmouth, IL · $55M
- Citizens State Bank of Milford Milford, IL · $57M
- The First National Bank of Brownstown Brownstown, IL · $57M
- Camp Grove State Bank Camp Grove, IL · $53M
- Farmers & Merchants Bank of Hutsonville Hutsonville, IL · $52M
- GN Bank Chicago, IL · $60M
Questions about First Community Bank, Xenia-Flora
How big is First Community Bank, Xenia-Flora?
First Community Bank, Xenia-Flora, established in 1922, is headquartered in Xenia, IL. It reported $56M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Community Bank, Xenia-Flora's return on assets?
1.76% annualized in Q2 2026, against a 0.93% median for 55 IL banks with half to twice its assets, ahead of 93% of them.
What is First Community Bank, Xenia-Flora's efficiency ratio?
56.18% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 72.50%, and lower is better.
Is First Community Bank, Xenia-Flora growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 3.4%.
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.