First Community Bank&Trust
Beecher, Illinois · FDIC Cert #15913
First Community Bank&Trust is an FDIC-insured bank (Certificate #15913) with $208M in total assets and $181M in total deposits as of the Q2 2024 Call Report. Headquartered in Beecher, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 3.60%. BankHealthData assigns a composite Health Grade of D (42/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Community Bank&Trust (FDIC cert 15913) is a community bank — $208M in total assets, $181M in deposits, serving the Beecher, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 3.60% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 44.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.67% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First Community Bank&Trust carries a composite BankHealth grade of D (42/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Community Bank&Trust
- Total Assets
- $208M
- Total Deposits
- $181M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 3.60%
- Liquidity Ratio
- 44.25%
- Return on Assets
- 1.67%
- Headquarters
- Beecher, Illinois
- FDIC Certificate
- #15913
- Health Grade
- D (42/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Community Bank&Trust holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject First Community Bank&Trust to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
First Community Bank&Trust shows some financial weakness with a Health Score of 42/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Community Bank&Trust Compares
First Community Bank&Trust’s Health Score of 42 is 30 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 3.60% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.67% is in line with or above the national ROA benchmark of ~1.1%. Among 1526 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, First Community Bank&Trust is 28 points below the portfolio average of 70.
Frequently Asked Questions
First Community Bank&Trust has a Bank Health Score of D (42/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Community Bank&Trust's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 3.60% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Community Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15913). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Community Bank&Trust holds $208M in total assets and $181M in total deposits. It is headquartered in Beecher, Illinois (FDIC Certificate #15913).
First Community Bank&Trust has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.60%, and the return on assets is 1.67%.
Yes. First Community Bank&Trust is FDIC-insured (Certificate #15913). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Community Bank&Trust shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.