BlastPoint's Banking Scorecard

First Community Bank, Xenia-Flora

under $100M Specialty: Other IL FDIC cert 3850

Designations: ✓ Community bank

Xenia, IL

2 branches across IL

537 banks in the under $100M peer group nationally 61 in IL

First Community Bank, Xenia-Flora 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

+ ROA 0.81% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 28.86% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$57.0M +0.1% YoY +1.6% QoQ	-$5.3M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	41%
Total Loans ?	$30.4M -0.5% YoY +0.5% QoQ	-$3.9M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	46%
Total Deposits ?	$48.5M -2.2% YoY +1.8% QoQ	-$3.3M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	42%
Return on Assets ?	1.66% +10.6% YoY +17.4% QoQ	+0.81%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	83%
Net Interest Margin ?	4.01% +7.2% YoY +2.6% QoQ	+0.14%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	58.77% -2.5% YoY -2.0% QoQ	-28.86%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	76%
Delinquency Rate ?	1.13% -22.2% YoY -41.1% QoQ	-0.23%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	62.54% +1.7% YoY -1.3% QoQ	-1.57%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	27.62% +4.9% YoY +0.3% QoQ	+3.83%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	66%
Nonperforming Asset Ratio ?	0.60% -22.7% YoY -41.8% QoQ	-0.17%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	35%
Tier 1 Capital Ratio ?	11.66% +10.3% YoY +1.2% QoQ	-15.11%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.05% +3.9% YoY -76.5% QoQ	-0.62%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	39%

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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 (0)

No matched strength signatures this quarter

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 537 peers in under $100M

Top Strengths (2 metrics)

Return on Assets

profitability

Value: 1.66%

Peer Median: 0.86%

#94 of 537 Top 17.3% in under $100M

130

Efficiency Ratio

profitability

Value: 58.77%

Peer Median: 87.63%

#130 of 537 Top 24.0% in under $100M

Top Weaknesses (1 metrics)

435

Tier 1 Capital Ratio

capital

Value: 11.66%

Peer Median: 26.77%

#435 of 537 Bottom 19.2% in under $100M