# FIRST COMMUNITY BANK
ELGIN, IL · FDIC certificate 33842 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $171.5M | |
| Deposits | $147.2M | |
| Loans and leases | $80.9M | |
| Total equity | $22.7M | |
| Loans / deposits | 54.54% (p20 of band) | 75.30% |
| Liquid assets / assets | 45.94% (p75 of band) | |
| Uninsured deposits / deposits | 29.60% (p91 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.69% (p72 of band) | 10.87% |
| Unrealized securities loss / equity | 2.76% (p63 of band) | 1.65% |
| AOCI / equity | 0.07% (p24 of band) | |
| ROA (annualized) | 0.69% (p36 of band) | 0.88% |
| Net interest margin | 2.91% (p15 of band) | 3.67% |
| Efficiency ratio | 74.74% (p58 of band) | |
| Noncurrent loans | 2.64% (p87 of band) | 0.69% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | 30.90% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 29.50% (p66 of band) | |
| Auto loans | $11,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 | charge-offs p90 | noncurrent p90, construction >100% equity |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 3 | capital falling | charge-offs p90 |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | capital falling, charge-offs p90 |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | deposits shrinking |  |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-26 [First Community Bankshares, Inc. Completes Acquisition of Hometown Bancshares, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxPS0xYSVp5Tko0Znh0aFFTMENERU5FZldlUXJDdHdFSzFwc00wWkZ2UXNZTEJ5bWNKZEhvc1ZfOG5uUlFUREFONjdBWGVRbVpQaTJPc2ZCNG5zSlFfeWdybWJwQUtuZlI0LXNpNEJLdm1VUmdjYU8xakRLclFNYXczcHl3N0dKcS1KVmJvU3lmTQ?oc=5) · Yahoo Finance
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-03-19 [Alabama credit union to acquire in-state community bank - Banking Dive](https://news.google.com/rss/articles/CBMixAFBVV95cUxNUFRGck4teWNkcy1xVV95WW1mTVNFbHd1cXNGSTk5dE5xYzNaSUNYblc1bHZzbjNuWjY2SFBRSEJrU2l0czNHbjRpREJVQUkzV2E5MXRwRGc5NU1FSjlXSmh2alJ4UjJGdzlQa0xJTXdkbDJSZVBrbVdmTjI2Y1h2OFpPbGstOUt3cXdGdXlBcG8weXFwWGN6TEx0Wm5WVFVwaTRITTc4U1NySk10cVdMb2lfendRQ0NoNGRxa0d4MHYyeVVi?oc=5) · Banking Dive
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2018-04-20 [Springfield First Community Bank to merge with an Illinois-based holding company - Springfield News-Leader](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQRmVuS2t6M0luZTE4bTFKV2lqc3dRVXdjVXMyOVJXTW1SZl9IWmJmb0JHcVBtV2FMSVhhMkNKdUNJT0VoOVIzWWp5dkFoU1ZMT25Jam9MOU5mY00tbTU1ZURHRG9xeGdBSzZ6WVNRUzJ6dEw1REJOYnd3VWxOd2hZd1F5bTE5Z1J2YllFdXNMYWthT1loNFJ2WUFtaG1NdndQaGt5V3BnTU5Za29XVFdyb0h5MERVcEFFSXRTT3RPanJzTkI4djhMcFRkMjhsM2VPeVY3Z1hDbjBRMktpODVuVjZub3VyQWhGMTN4QW5NZkZ6Vzg?oc=5) · Springfield News-Leader
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33842 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "33842", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide