BlastPoint's Banking Scorecard
First Community Bank of Hillsboro
Hillsboro, IL
2 branches across IL
First Community Bank of Hillsboro has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 0.68% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.1M
-3.8% YoY
-1.5% QoQ
|
-$250.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.7% in tier |
| Total Loans ? |
$86.3M
+13.1% YoY
+0.3% QoQ
|
-$169.4M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.2% in tier |
| Total Deposits ? |
$104.4M
+3.5% YoY
+0.6% QoQ
|
-$223.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.9% in tier |
| Return on Assets ? |
1.00%
+95.5% YoY
+24.5% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.04%
+29.1% YoY
+13.7% QoQ
|
-0.89% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio ? |
64.61%
-17.5% YoY
-7.0% QoQ
|
-0.68% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
46% |
| 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 ? |
82.69%
+9.3% YoY
-0.3% QoQ
|
+6.05% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
15.10%
-4.9% YoY
+1.3% QoQ
|
-6.92% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.24%
+5.0% YoY
+3.0% QoQ
|
-4.59% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.11%
+2.5% YoY
-75.8% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
58% |
Get Full Access to First Community Bank of Hillsboro
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.