BlastPoint's Banking Scorecard

First Community Bank and Trust

$100M-$1B Specialty: Commercial IL FDIC cert 15913

Beecher, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

First Community Bank and Trust demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 19.8% in tier
+ Deposit Franchise: Top 71.3% in tier
+ Delinquency Rate 0.89% below tier average
+ Efficiency Ratio 9.67% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Community Bank and Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$202.5M +0.6% YoY +0.4% QoQ	-$183.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	27%
Total Loans ?	$100.4M +5.1% YoY -1.4% QoQ	-$155.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$170.9M -0.4% YoY +0.5% QoQ	-$157.1M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.74% +76.3% YoY +39.3% QoQ	+0.47%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.52% +12.7% YoY +3.4% QoQ	+0.59%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	55.61% -13.5% YoY -3.0% QoQ	-9.67%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	58.73% +5.4% YoY -1.9% QoQ	-17.91%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	34.79% -3.3% YoY +2.7% QoQ	+12.77%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 10.2% in tier
Nonperforming Asset Ratio ?	0.91% -51.4% YoY -0.4% QoQ	+0.27%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	13.31% +3.0% YoY +1.3% QoQ	-2.52%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.15% +27.4% YoY -73.9% QoQ	-0.13%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#133 of 666 • Top 19.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.74%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#195 of 272 • Top 71.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.79%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

273

Non-Interest-Bearing Deposit Share

funding

Value: 34.79%

Peer Median: 22.02%

#273 of 2664 Top 10.2% in $100M-$1B

458

Loan-to-Deposit Ratio

liquidity

Value: 58.73%

Peer Median: 76.64%

#458 of 2664 Top 17.2% in $100M-$1B

466

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.93%

#466 of 2664 Top 17.5% in $100M-$1B

557

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.27%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2138

Total Loans

size

Value: $100.37M

Peer Median: $255.72M

#2138 of 2664 Bottom 19.8% in $100M-$1B

2077

Nonperforming Asset Ratio

credit_quality

Value: 0.91%

Peer Median: 0.64%

#2077 of 2664 Bottom 22.1% in $100M-$1B