TellerScore

Headquartered in Sullivan, Illinois, First Community Bank of Moultrie County is a state-chartered bank with $119.7M in total assets and $109.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1905.

First Community Bank of Moultrie County has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 126th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (41/100, 9.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.13%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 47.9% · 24.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.56%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

TellerScore
717374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202472
Q4 202473
Q1 202571
Q2 202573
Q3 202572
Q4 202573
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.08%9.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.79%
Q3 20248.73%
Q4 20248.80%
Q1 20258.81%
Q2 20259.16%
Q3 20258.88%
Q4 20258.99%
Q1 20269.01%
Q2 20269.13%
Noncurrent loans
0.00%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.00%
Q1 20250.14%
Q2 20250.16%
Q3 20250.07%
Q4 20250.04%
Q1 20260.00%
Q2 20260.10%
Return on assets
1.02%1.13%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.02%
Q4 20241.02%
Q1 20251.13%
Q2 20251.11%
Q3 20251.13%
Q4 20251.15%
Q1 20261.22%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$119.7M9.13%0.10%1.24%47.9%
Q1 202674$123.7M9.01%0.00%1.22%44.2%
Q4 202573$120.6M8.99%0.04%1.15%47.1%
Q3 202572$119.5M8.88%0.07%1.13%46.3%
Q2 202573$111.4M9.16%0.16%1.11%48.0%
Q1 202571$115.6M8.81%0.14%1.13%42.8%
Q4 202473$111.4M8.80%0.00%1.02%48.4%
Q3 202472$112.6M8.73%0.02%1.02%46.3%
Q2 202473$112.6M8.79%0.00%1.03%44.8%

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).

Capital ratio9.13%
14th
Total risk-based capital20.32%
87th
Problem loans0.10%
73rd
Net charge-offs0.02%
40th
Return on assets1.24%
50th
Net interest margin3.39%
23rd
Efficiency ratio65.8%
40th
Loans to deposits47.9%
93rd
Uninsured deposits24.4%
48th
Loan-loss reserves1.57%
82nd
Texas ratio0.6%
76th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
American Metro BankBank Chicago, IL76 out of 100, Strong$119.1M13.1%0.00%vs
The Granville National BankBank Granville, IL61 out of 100, Moderate$118.4M11.1%2.21%vs
Collinsville Building and Loan AssociationBank Collinsville, IL78 out of 100, Strong$117.6M29.5%0.10%vs
Midwest National BankBank Sandoval, IL38 out of 100, Low$122.6M8.1%1.91%vs
The State Bank of GenevaBank Geneva, IL75 out of 100, Strong$116.2M11.8%0.16%vs
Princeville State BankBank Princeville, IL46 out of 100, Below average$124.4M9.2%6.42%vs

Deposit insurance

Is my money safe at First Community Bank of Moultrie County?

Yes. First Community Bank of Moultrie County is an FDIC-insured institution (FDIC certificate #3745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.4% of deposits ($26.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.13%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.32% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First Community Bank of Moultrie County lists 3 offices in 2 cities. Most locations:

  • Sullivan, IL (2)
  • Lovington, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Community Bank of Moultrie County
Former names
The First National Bank of Sullivan
Type
State-chartered bank
FDIC certificate #
3745
RSSD ID
459644
Primary regulator
FDIC
Holding company
Sullivan Bancshares Employee Svg&retirement Plan
Established
April 5, 1905
Headquarters
1 S Main St, Sullivan, IL 61951
Employees
21

Quick answers

First Community Bank of Moultrie County: common questions

Is First Community Bank of Moultrie County FDIC insured?

Yes. First Community Bank of Moultrie County is an FDIC-insured institution (FDIC certificate #3745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank of Moultrie County's TellerScore?

74 out of 100 (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 of Moultrie County ever failed?

There is no failure record for FDIC certificate #3745 in the FDIC failed bank list.

How many branches does First Community Bank of Moultrie County have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sullivan

InstitutionScoreAssetsCapitalProblem loansCompare
Blaw-Knox Credit UnionCredit union Mattoon, IL92 out of 100, Very strong$13.4M19.9%0.23%vs
Area Educational Credit UnionCredit union Mattoon, IL87 out of 100, Very strong$33.7M20.4%0.92%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
Peoples Bank of MaconBank Macon, IL82 out of 100, Strong$22.7M13.6%0.00%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs