First Community Bank, Xenia-Flora (FDIC certificate #3850) is based in Xenia, Illinois. Its Q2 2026 call report shows $55.5M in total assets and $47.3M in deposits and 2 offices.
Based on its Q2 2026 filing, First Community Bank, Xenia-Flora scores 86/100, which we describe as very strong. That is higher than 81% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 31st. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (70/100; 12.03%).
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 16 points (70 → 86), mostly because the loan quality component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 67 |
| Q1 2026 | 77 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.33% |
| Q3 2024 | 10.47% |
| Q4 2024 | 10.82% |
| Q1 2025 | 10.57% |
| Q2 2025 | 10.76% |
| Q3 2025 | 11.30% |
| Q4 2025 | 11.52% |
| Q1 2026 | 11.66% |
| Q2 2026 | 12.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.90% |
| Q1 2026 | 1.12% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.42% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $55.5M | 12.03% | 0.22% | 1.76% | 64.6% |
| Q1 2026 | 77 | $57.0M | 11.66% | 1.12% | 1.66% | 62.5% |
| Q4 2025 | 67 | $56.0M | 11.52% | 1.90% | 1.42% | 63.4% |
| Q3 2025 | 71 | $54.1M | 11.30% | 1.58% | 1.69% | 65.9% |
| Q2 2025 | 70 | $56.7M | 10.76% | 1.43% | 1.66% | 63.7% |
| Q1 2025 | 69 | $56.9M | 10.57% | 1.44% | 1.50% | 61.5% |
| Q4 2024 | 69 | $55.3M | 10.82% | 1.42% | 1.41% | 62.0% |
| Q3 2024 | 70 | $57.3M | 10.47% | 1.27% | 1.50% | 60.0% |
| Q2 2024 | 74 | $56.0M | 10.33% | 0.73% | 1.48% | 61.0% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Community National Bank in MonmouthBank Monmouth, IL | 77 out of 100, Strong | $55.1M | 13.1% | 0.90% | vs |
| Citizens State Bank of MilfordBank Milford, IL | 62 out of 100, Moderate | $56.9M | 9.1% | 0.76% | vs |
| The First National Bank of BrownstownBank Brownstown, IL | 72 out of 100, Strong | $57.4M | 11.3% | 1.22% | vs |
| Camp Grove State BankBank Camp Grove, IL | 65 out of 100, Moderate | $53.1M | 10.5% | 0.00% | vs |
| Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL | 95 out of 100, Very strong | $52.0M | 18.5% | 0.00% | vs |
| GN BankBank Chicago, IL | 53 out of 100, Below average | $59.8M | 16.1% | 13.11% | vs |
Deposit insurance
Is my money safe at First Community Bank, Xenia-Flora?
Yes. First Community Bank, Xenia-Flora is an FDIC-insured institution (FDIC certificate #3850). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.9% of deposits ($5.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.03%, 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, Xenia-Flora lists 2 offices in 2 cities. Most locations:
- Flora, IL (1)
- Xenia, IL (1)
Identity & history
Profile
- Legal name
- First Community Bank, Xenia-Flora
- Former names
- The First National Bank of Xenia
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 3850
- RSSD ID
- 242
- Primary regulator
- FED
- Holding company
- First Community Bancshares
- Established
- January 1, 1922
- Headquarters
- 260 Front St, Xenia, IL 62899
- Website
- www.fcbxeniaflora.com
- Employees
- 11
Quick answers
First Community Bank, Xenia-Flora: common questions
Is First Community Bank, Xenia-Flora FDIC insured?
Yes. First Community Bank, Xenia-Flora is an FDIC-insured institution (FDIC certificate #3850). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Community Bank, Xenia-Flora's TellerScore?
86 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, Xenia-Flora ever failed?
There is no failure record for FDIC certificate #3850 in the FDIC failed bank list.
How many branches does First Community Bank, Xenia-Flora have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Xenia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Salem School System Credit UnionCredit union Salem, IL | 87 out of 100, Very strong | $2.2M | 30.9% | 0.00% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Community First Bank of the HeartlandBank Mount Vernon, IL | 76 out of 100, Strong | $266.8M | 10.1% | 0.66% | vs |
| The Clay City Banking Co.Bank Clay City, IL | 68 out of 100, Moderate | $253.3M | 10.2% | 1.09% | vs |