1st Community Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.1stcommunitybanks.com

309-593-2117

407 Third Street
Sherrard, IL 61281-0455

1st Community Bank is headquartered in SHERRARD and is the 295^th largest bank in the state of Illinois. It is also the 4,100^th largest bank in the nation. It was established in 1910 and as of March of 2025, it had grown to 18 employees at 2 locations. 1st Community Bank has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. 1st Community Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	11706
Year Established	1910
Employees	18
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	9.15%
Annual Interest Income	$858K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$67.2MM$69.2MM
Loans	Q1 2025vs Q1 2024	$45.9MM$43.6MM
Deposits	Q1 2025vs Q1 2024	$60MM$62MM
Equity Capital	Q1 2025vs Q1 2024	$6.8MM$6.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$432K$430K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$571K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$2	-	Christmas Club
0.05%	$0	-	Regular Savings

1st Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$2.5k^*	-	Money Market Savers Account
OTHER TIERS: 0.05% → $1k - $2.5k

1st Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$2.5k^*	-	Super NOW Account
OTHER TIERS: 0.05% → $1k - $2.5k
0.05%	$1k	-	NOW Accounts

1st Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	$2.5k	-	60 Month CD
0.70%	$2.5k	-	48 Month CD
0.60%	$2.5k	-	36 Month CD
0.55%	$1k	-	30 Month CD
0.45%	$1k	-	24 Month CD
0.40%	$1k	-	18 Month CD
0.35%	$1k	-	12 Month CD
0.20%	$1k	-	182 Day CD
0.15%	$1k	-	90 Day CD
0.10%	$1k	-	31 Day CD

1st Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$200	-	18 Month IRA

Locations

1st Community Bank Locations
1st Community Bank	407 3rd St	Sherrard, IL 61281
Aledo Facility	East Route 17 and Highways 94 and 17	Aledo, IL 61231

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