B
First Community Bank Xenia-Flora
XeniaIL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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Weiss Ratings First Community Bank Xenia-Flora
Xenia, IL
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Rating B
Asset Quality Index 6.00
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 7.20
Stability Index 5.10
Company Info First Community Bank Xenia-Flora
Xenia, IL
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FDIC Number 3850
Phone Number (618) 678-2202
Website www.fcbxeniaflora.com
Asset Quality First Community Bank Xenia-Flora
Xenia, IL
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1-Year Asset Growth -5.49%
5-Year Asset Growth 7.01%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 7.46%
Non-Performing Loans to Loans 0.34%
Balance Sheet First Community Bank Xenia-Flora
Xenia, IL
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Total Assets 54.13M
Total Deposits 46.04M
Capital and Reserves First Community Bank Xenia-Flora
Xenia, IL
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Capital 5.06M
Leverage Ratio 11.30
Loan Loss Reserves to Loans 0.61%
Risk-Based Capital Ratio --
Liquidity First Community Bank Xenia-Flora
Xenia, IL
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Hot Money Ratio 14.82%
Liquidity Ratio 35.47%
Profitability First Community Bank Xenia-Flora
Xenia, IL
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5-Year Return on Average Assets 1.20%
Net Income 708.00K
Net Interest Spread 3.84%
Operating Profit to Average Assets 1.76%
Overhead Efficiency Ratio 57.23%
Return on Assets 1.68%
Return on Equity 20.93%