Overview / Commentary
260 Front Street
Xenia, IL 62899

First Community Bank, Xenia-Flora is headquartered in Xenia and is the 395th largest bank in the state of Illinois. It is also the 5,171st largest bank in the nation. It was established in 1922 and as of June of 2018, it had grown to 11 employees at 2 locations. First Community Bank, Xenia-Flora's money market rates are 3X the national average, and it 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 - YTD1.59%
Return on Equity - YTD12.76%
Annual Interest Income$866.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$43.0MM$41.5MM
LoansQ2 2018vs Q2 2017$24.6MM$25.4MM
DepositsQ2 2018vs Q2 2017$33.6MM$31.6MM
Equity CapitalQ2 2018vs Q2 2017$5.3MM$5.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$188.00K$183.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$77.00K$684.00K
Real Estate OwnedQ2 2018vs Q2 2017$612.00K$0
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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

0.40%$100-Passbook Savings

First Community Bank, Xenia-Flora Money Market Rates

1.50%*$50k*-Premier Money Market Account
OTHER TIERS: 1.05% $2.5k - $10k | 1.15% $10k - $25k | 1.35% $25k - $50k

First Community Bank, Xenia-Flora Checking Account Rates

0.40%$1k-NOW Account

First Community Bank, Xenia-Flora CD Rates

2.57%$500-60 Month CD
2.47%$500-48 Month CD
2.37%$500-36 Month CD
2.27%$500-30 Month CD
1.86%$500-18 Month CD
1.76%$500-12 Month CD
1.41%$1k-6 Month CD
1.26%$1k-3 Month CD

First Community Bank, Xenia-Flora IRA Rates

2.42%$500-3 Year IRA
2.02%$500-2 Year IRA
1.76%$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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