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 347th largest bank in the state of Illinois. It is also the 4,612th largest bank in the nation. It was established in 1922 and as of September of 2021, it had grown to 12 employees at 2 locations. First Community Bank, Xenia-Flora has an A 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 - YTD1.06%
Return on Equity - YTD10.64%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$51.8MM$48.8MM
LoansQ3 2021vs Q3 2020$25.0MM$25.6MM
DepositsQ3 2021vs Q3 2020$42.2MM$38.8MM
Equity CapitalQ3 2021vs Q3 2020$5.3MM$5.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$176.00K$159.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$10.00K$24.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$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

0.05%$100-Passbook Savings

First Community Bank, Xenia-Flora Money Market Rates

0.10%*$50k*-Premier Money Market Account
OTHER TIERS: 0.06% $2.5k - $10k | 0.07% $10k - $25k | 0.08% $25k - $50k

First Community Bank, Xenia-Flora Checking Account Rates

0.05%$1k-NOW Account

First Community Bank, Xenia-Flora CD Rates

1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.60%$500-36 Month CD
0.45%$500-30 Month CD
0.30%$500-18 Month CD
0.15%$500-12 Month CD
0.10%$1k-6 Month CD
0.06%$1k-3 Month CD

First Community Bank, Xenia-Flora IRA Rates

0.75%$500-3 Year IRA
0.45%$500-2 Year IRA
0.20%$500-1 Year IRA

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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