BlastPoint's Banking Scorecard
First Community Bank of Hillsboro
Hillsboro, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +2.2% year over year ($103.2M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.03%.
- Efficiency ratio 64.21% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.60% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Community Bank of Hillsboro has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.27% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Net Interest Margin 0.80% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.3M
-2.3% YoY
-1.4% QoQ
|
-$253.3M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.9% in tier |
| Total Loans ? |
$87.3M
+11.6% YoY
+1.2% QoQ
|
-$171.0M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.5% in tier |
| Total Deposits ? |
$103.2M
+2.2% YoY
-1.1% QoQ
|
-$223.5M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.2% in tier |
| Return on Assets ? |
1.03%
+55.5% YoY
+2.8% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.18%
+28.8% YoY
+4.6% QoQ
|
-0.80% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
64.21%
-13.6% YoY
-0.6% QoQ
|
-0.27% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.10%
-77.9% YoY
|
-0.82% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
84.60%
+9.2% YoY
+2.3% QoQ
|
+6.65% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
15.10%
-9.2% YoY
-0.0% QoQ
|
-6.93% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.06%
-74.8% YoY
|
-0.60% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
11.59%
+10.2% YoY
+3.1% QoQ
|
-4.32% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.22%
+0.0% YoY
+101.4% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
-1.5pp YoY 0.0pp QoQ |
-7.0pp | 22.1% | 20.1% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-2.6pp YoY -0.7pp QoQ |
-7.5pp | 11.6% | 14.7% | 12.5% | 15% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
22.6%
-1.7pp YoY -0.7pp QoQ |
-10.0pp | 32.6% | 28.3% | 31.3% | 36% |
| Consumer |
3.7%
-0.3pp YoY +0.4pp QoQ |
-0.4pp | 4.1% | 5.4% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+1.1pp YoY +0.3pp QoQ |
-0.6pp | 12.2% | 12.2% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY 0 QoQ |
-36 | 58 | 228 | 482 | 15% |
| Assets per Employee ($) |
$5.8M
-2.3% YoY -1.4% QoQ |
-$1.7M | $7.5M | $8.3M | $8.8M | 29% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY |
-0.2pp | 0.3% | 0.4% | 0.4% | 50% |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
10.65x
+399.6% YoY |
-13.50x | 24.15x | 5.62x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
+2.1pp YoY +0.1pp QoQ |
-2.4pp | 12.2% | 10.5% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 34% |
| Net Income ($, YTD) |
$694,000
+54.2% YoY — QoQ |
-$1.9M | $2.6M | $11.7M | $40.4M | 16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.