Overview / Commentary
618-678-2202
260 Front Street
Xenia, IL 62899

First Community Bank, Xenia-Flora is headquartered in Xenia and is the 388th largest bank in the state of Illinois. It is also the 5,086th largest bank in the nation. It was established in 1922 and as of September 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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Health
B+
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

Overall
FDIC Certificate #3850
Year Established1922
Employees11
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.55%
Return on Equity - YTD12.94%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$44.3MM$41.5MM
LoansQ3 2018vs Q3 2017$24.3MM$25.9MM
DepositsQ3 2018vs Q3 2017$36.1MM$31.3MM
Equity CapitalQ3 2018vs Q3 2017$4.7MM$5.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$184.00K$184.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$407.00K$719.00K
Real Estate OwnedQ3 2018vs Q3 2017$8.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$100-Passbook Savings

First Community Bank, Xenia-Flora Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-NOW Account

First Community Bank, Xenia-Flora CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.42%$500-3 Year IRA
2.02%$500-2 Year IRA
1.76%$500-1 Year IRA
Locations


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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