First Community Bank, Xenia-Flora

Headquarters

260 Front Street
Xenia, IL 62899
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.20% →
1-Year CD 0.50% 1.10% →
2-Year CD N.A. 1.15% →
5-Year CD 0.90% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

First Community Bank, Xenia-Flora is an FDIC insured institution located in Xenia, IL. It was founded in 1922 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 3850
Date Established 1922
Assets $ 43.30 million
Loans $ 23.95 million
Deposits $ 33.56 million
Capital $ 5.11 million
 

For a more detailed analysis of First Community Bank, Xenia-Flora's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 6, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.65% $10,000 $14,999 Learn More
30 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 6, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Community Bank, Xenia-Flora

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to First Community Bank, Xenia-Flora
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First Community Bank, Xenia-Flora branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Community Bank, Xenia-Flora Locations


Financial Details

First Community Bank, Xenia-Flora Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community Bank, Xenia-Flora. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Community Bank, Xenia-Flora U.S. Bank Average
1.1% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Community Bank, Xenia-Flora had $58,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,108,000 in equity and $156,000 in loans loss reserves. That gives it a Texas Ratio of 1.1%.

Return on Equity
First Community Bank, Xenia-Flora U.S. Bank Average
13.22% 7.80%

First Community Bank, Xenia-Flora has a Return on Equity of 13.22% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Community Bank, Xenia-Flora U.S. Bank Average
11.8% 12.68%

First Community Bank, Xenia-Flora has a Capitalization of 11.8% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Community Bank, Xenia-Flora Balance Sheet Analysis

As of March 31, 2020, First Community Bank, Xenia-Flora had assets of $43,297,000, loans of $23,946,000, and deposits of $33,561,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 4.53 million
Interest-bearing balances $ 2.77 million
Total securities $ 11.37 million
Federal funds sold and reverse repurchase $ 2.68 million
Net loans and leases $ 23.95 million
Loan loss allowance $ 0.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.48 million
     Total Assets $ 38.19 million
LIABILITIES
Total deposits $ 33.56 million
      Interest-bearing deposits $ 24.84 million
      Deposits held in domestic offices $ 33.56 million
      % insured (estimated) 95.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.60 million
Subordinated debt N.A.
All other liabilities $ 0.03 million
      Total Liabilities $ 38.19 million
      Shareholders’ Equity $ 5.11 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.45 million
Total Interest Expense $ 0.08 million
Net interest income $ 0.37 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.04 million
Total non interest expense $ 0.23 million
Pre-tax Net Operating Income $ 0.18 million

Bank Loan Profile?

The top three loan types in First Community Bank, Xenia-Flora’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks, First Community Bank, Xenia-Flora’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.99
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 6.48
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 15.68
Commercial and Industrial Loans 6.69
Farm Loans 10.21

Frequently Asked Questions About First Community Bank, Xenia-flora

Branches and Savings

Is First Community Bank, Xenia-flora FDIC insured?

Yes. It is covered under FDIC Certificate #3850.

Why does First Community Bank, Xenia-flora pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Community Bank, Xenia-flora CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Community Bank, Xenia-flora a commercial bank?

Yes

Where are First Community Bank, Xenia-flora locations?

See branch locations nearby.

Is First Community Bank, Xenia-flora open on Saturdays?

Is First Community Bank, Xenia-flora open on Sundays?

What time does First Community Bank, Xenia-flora open?

What time does First Community Bank, Xenia-flora close?

Are First Community Bank, Xenia-flora ATMs Open 24/7?

Do First Community Bank, Xenia-flora ATMs accept cash deposits?

Can First Community Bank, Xenia-flora customers use other ATMs?

Do First Community Bank, Xenia-flora branches have notaries?

Will First Community Bank, Xenia-flora notarize my document?

What address for First Community Bank, Xenia-flora should I put for incoming ACH transfers?

Will the First Community Bank, Xenia-flora branch print checks?

Do First Community Bank, Xenia-flora checks expire?

Does First Community Bank, Xenia-flora require US citizenship to open account?

Can First Community Bank, Xenia-flora close my account?

Does First Community Bank, Xenia-flora Report to credit bureaus?

Does First Community Bank, Xenia-flora Use Equifax?

What is First Community Bank, Xenia-flora's ACH Routing Number?

What is First Community Bank, Xenia-flora's SWIFT code?

Products

Does First Community Bank, Xenia-flora offer mortgages?

Compare mortgage rates here.

Does First Community Bank, Xenia-flora offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community Bank, Xenia-flora offer personal loans?

Compare personal loan rates here.

Does First Community Bank, Xenia-flora offer student loans?

Will First Community Bank, Xenia-flora cash a check?

Will First Community Bank, Xenia-flora redeem a savings bond?

Does First Community Bank, Xenia-flora cash savings bonds?

Will First Community Bank, Xenia-flora cash money orders?

Can First Community Bank, Xenia-flora issue a money order?

Does First Community Bank, Xenia-flora do currency exchange?

Background on The Bank

Who owns First Community Bank, Xenia-flora?

How long has First Community Bank, Xenia-flora been around?

Can First Community Bank, Xenia-flora transfer to other banks?

Does First Community Bank, Xenia-flora have quick pay?

Does First Community Bank, Xenia-flora accept rolled coins?

Will First Community Bank, Xenia-flora accept loose change?

Where is First Community Bank, Xenia-flora headquarters?

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