First Community Bank, Xenia-Flora

Overview / Commentary
260 Front Street
Xenia, IL 62899

First Community Bank, Xenia-Flora is headquartered in Xenia and is the 343rd largest bank in the state of Illinois. It is also the 4,502nd largest bank in the nation. It was established in 1922 and as of March of 2022, it had grown to 11 employees at 2 locations. First Community Bank, Xenia-Flora has a B health rating.


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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. First Community Bank, Xenia-Flora has a relatively low asset base.

Health Grade Components

FDIC Certificate #3850
Year Established1922
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD13.5%
Annual Interest Income$416.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$53.2MM$54.1MM
LoansQ1 2022vs Q1 2021$25.7MM$24.3MM
DepositsQ1 2022vs Q1 2021$45.0MM$44.6MM
Equity CapitalQ1 2022vs Q1 2021$3.9MM$5.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$173.00K$175.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$167.00K$10.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$0

Rates for First Community Bank, Xenia-Flora are currently being reviewed.


First Community Bank, Xenia-Flora Locations
Flora Branch1400 North State StreetFlora, IL 62839
First Community Bank, Xenia-Flora260 Front StXenia, IL 62899

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