BlastPoint's Banking Scorecard
First Community Bank of Moultrie County
Sullivan, IL
3 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 +6.7% year over year ($109.7M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.24%.
- Efficiency ratio 65.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.88% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Community Bank of Moultrie County has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 1.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.7M
+7.5% YoY
-3.2% QoQ
|
-$266.8M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.5% in tier |
| Total Loans ? |
$52.5M
+6.5% YoY
+4.4% QoQ
|
-$205.8M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.3% in tier |
| Total Deposits ? |
$109.7M
+6.7% YoY
-3.6% QoQ
|
-$217.1M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.6% in tier |
| Return on Assets ? |
1.24%
+11.5% YoY
+1.2% QoQ
|
-0.08% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.39%
+8.0% YoY
+1.9% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
65.77%
-3.9% YoY
+0.9% QoQ
|
+1.29% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.10%
-35.5% YoY
|
-0.81% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
47.88%
-0.2% YoY
+8.4% QoQ
|
-30.07% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.10%
+5.5% YoY
+2.0% QoQ
|
-1.93% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.05%
-36.0% YoY
|
-0.62% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
19.07%
+2.2% YoY
-2.3% QoQ
|
+3.16% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.24%
-21.9% YoY
+107.3% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
20.1%
+1.1pp YoY +0.4pp QoQ |
-2.0pp | 22.1% | 20.1% | 22.2% | 46% |
| 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 |
8.6%
+0.4pp YoY +0.5pp QoQ |
-3.0pp | 11.6% | 14.7% | 12.5% | 44% |
| CRE |
20.7%
+3.6pp YoY +0.2pp QoQ |
-18.9pp | 39.5% | 37.9% | 41.4% | 19% |
| 1-4 Family |
45.4%
+0.3pp YoY -0.5pp QoQ |
+12.8pp | 32.6% | 28.3% | 31.3% | 77% |
| Consumer |
7.1%
-0.5pp YoY -0.4pp QoQ |
+3.0pp | 4.1% | 5.4% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.1%
+0.4pp YoY -0.4pp QoQ |
+0.2pp | 18.8% | 19.9% | 19.7% | 74% |
| Leverage Ratio |
9.1%
0.0pp YoY +0.1pp QoQ |
-3.0pp | 12.2% | 12.2% | 12.6% | 14% |
| Total Capital Ratio |
20.3%
+0.4pp YoY -0.5pp QoQ |
+0.4pp | 19.9% | 20.9% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
-1 (-4.5%) YoY -1 (-4.5%) QoQ |
-38 | 58 | 228 | 482 | 12% |
| Assets per Employee ($) |
$5.7M
+12.6% YoY +1.4% QoQ |
-$1.8M | $7.5M | $8.3M | $8.8M | 27% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 52% |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
15.24x
+39.1% YoY -98.2% QoQ |
-8.92x | 24.15x | 5.62x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.0%
-0.8pp YoY -0.1pp QoQ |
+4.8pp | 12.2% | 10.5% | 11.6% | 77% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$752,000
+19.9% YoY — QoQ |
-$1.8M | $2.6M | $11.7M | $40.4M | 18% |
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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.