First Community Bank and Trust is a state-chartered bank (fed member) headquartered in Beecher, Illinois, in business for about 110 years. At the end of Q2 2026 it reported $201.7M in total assets and $170.8M in deposits, with 2 offices.
First Community Bank and Trust has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 14th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (84/100, 1.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 31 points (60 → 91), mostly because the loan quality component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 59 |
| Q1 2025 | 57 |
| Q2 2025 | 60 |
| Q3 2025 | 65 |
| Q4 2025 | 87 |
| Q1 2026 | 91 |
| Q2 2026 | 91 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.63% |
| Q3 2024 | 12.60% |
| Q4 2024 | 12.30% |
| Q1 2025 | 12.92% |
| Q2 2025 | 13.65% |
| Q3 2025 | 13.72% |
| Q4 2025 | 13.13% |
| Q1 2026 | 13.31% |
| Q2 2026 | 13.47% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.60% |
| Q3 2024 | 3.79% |
| Q4 2024 | 3.35% |
| Q1 2025 | 3.42% |
| Q2 2025 | 3.37% |
| Q3 2025 | 2.56% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.50% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $201.7M | 13.47% | 0.00% | 1.61% | 54.3% |
| Q1 2026 | 91 | $202.5M | 13.31% | 0.00% | 1.74% | 58.7% |
| Q4 2025 | 87 | $201.7M | 13.13% | 0.00% | 1.25% | 59.8% |
| Q3 2025 | 65 | $205.4M | 13.72% | 2.56% | 1.16% | 60.8% |
| Q2 2025 | 60 | $196.8M | 13.65% | 3.37% | 1.00% | 57.8% |
| Q1 2025 | 57 | $201.3M | 12.92% | 3.42% | 0.99% | 55.7% |
| Q4 2024 | 59 | $205.3M | 12.30% | 3.35% | 1.50% | 55.4% |
| Q3 2024 | 58 | $207.7M | 12.60% | 3.79% | 1.33% | 56.5% |
| Q2 2024 | 57 | $207.9M | 12.63% | 3.60% | 1.28% | 57.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SmartBiz Bank, National AssociationBank Northbrook, IL | 44 out of 100, Below average | $200.8M | 8.4% | 1.49% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Fidelity BankBank Savanna, IL | 52 out of 100, Below average | $198.6M | 8.0% | 0.78% | vs |
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| Murphy-Wall State Bank and Trust CompanyBank Pinckneyville, IL | 60 out of 100, Moderate | $206.1M | 11.0% | 1.67% | vs |
Deposit insurance
Is my money safe at First Community Bank and Trust?
Yes. First Community Bank and Trust is an FDIC-insured institution (FDIC certificate #15913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.0% of deposits ($30.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
First Community Bank and Trust lists 2 offices in 2 cities. Most locations:
- Beecher, IL (1)
- Peotone, IL (1)
Identity & history
Profile
- Legal name
- First Community Bank and Trust
- Former names
- Farmers State Bank of Beecher
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 15913
- RSSD ID
- 371232
- Primary regulator
- FED
- Holding company
- First Community Bcorp Inc
- Established
- November 16, 1916
- Headquarters
- 1111 Dixie Hwy, Beecher, IL 60401
- Website
- www.firstcbt.bank
- Employees
- 28
Quick answers
First Community Bank and Trust: common questions
Is First Community Bank and Trust FDIC insured?
Yes. First Community Bank and Trust is an FDIC-insured institution (FDIC certificate #15913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Community Bank and Trust's TellerScore?
91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Community Bank and Trust ever failed?
There is no failure record for FDIC certificate #15913 in the FDIC failed bank list.
How many branches does First Community Bank and Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beecher
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Municipal Trust and Savings BankBank Bourbonnais, IL | 95 out of 100, Very strong | $382.2M | 15.6% | 0.04% | vs |
| First Savings Bank of HegewischBank Chicago, IL | 84 out of 100, Strong | $787.0M | 14.9% | 0.06% | vs |
| Fieldstone Credit UnionCredit union Bradley, IL | 84 out of 100, Strong | $61.7M | 14.0% | 0.69% | vs |
| Commonwealth Credit UnionCredit union Bourbonnais, IL | 83 out of 100, Strong | $128.1M | 13.2% | 0.43% | vs |
| Acme Continental Credit UnionCredit union Riverdale, IL | 82 out of 100, Strong | $62.5M | 17.1% | 0.55% | vs |
| Providence Bank & TrustBank South Holland, IL | 81 out of 100, Strong | $1.6B | 11.5% | 0.01% | vs |