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 371st largest bank in the state of Illinois. It is also the 4,884th largest bank in the nation. It was established in 1922 and as of December of 2019, 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 low asset base.

Health Grade Components

FDIC Certificate #3850
Year Established1922
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD11.97%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$40.9MM$43.1MM
LoansQ4 2019vs Q4 2018$24.7MM$24.9MM
DepositsQ4 2019vs Q4 2018$31.3MM$33.8MM
Equity CapitalQ4 2019vs Q4 2018$5.2MM$4.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$187.00K$188.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$111.00K$101.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$8.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Community Bank, Xenia-Flora Savings Account Rates

0.10%$100-Passbook Savings

First Community Bank, Xenia-Flora Money Market Rates

0.25%*$50k*-Premier Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

First Community Bank, Xenia-Flora Checking Account Rates

0.10%$1k-NOW Account

First Community Bank, Xenia-Flora CD Rates

0.90%$500-60 Month CD
0.75%$500-36 Month CD
0.75%$500-48 Month CD
0.65%$500-18 Month CD
0.65%$500-30 Month CD
0.60%$500-12 Month CD
0.40%$1k-6 Month CD
0.30%$1k-3 Month CD

First Community Bank, Xenia-Flora IRA Rates

0.75%$500-3 Year IRA
0.70%$500-2 Year IRA
0.65%$500-1 Year IRA

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

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