BlastPoint's Banking Scorecard
First Community Bank of Hillsboro
Micro
Specialty: Agricultural
IL
FDIC cert 34752
Designations: ✓ Community bank
Hillsboro, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Community Bank of Hillsboro has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.2M
+3.9% YoY
-1.9% QoQ
|
-$80.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$86.1M
+12.3% YoY
+8.0% QoQ
|
-$53.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$103.7M
+8.5% YoY
-3.1% QoQ
|
-$79.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.80%
+115.7% YoY
+3.3% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.68%
+38.2% YoY
+3.9% QoQ
|
-1.18% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
69.44%
-15.8% YoY
-2.0% QoQ
|
+1.72% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.95%
+3.5% YoY
+11.4% QoQ
|
+8.42% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
14.91%
-2.8% YoY
+3.9% QoQ
|
-7.48% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
-6.3% YoY
+36.4% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Efficiency Ratio
Current: 69.44% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $86.1M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.95% · Tier avg: 74.53%
33
33th pctile
Total Assets
Current: $137.2M · Tier avg: $217.5M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $103.7M · Tier avg: $183.7M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.91% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.91% · Tier avg: 22.39%
30
30th pctile
Total Deposits
Current: $103.7M · Tier avg: $183.7M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
33
33th pctile
Total Assets
Current: $137.2M · Tier avg: $217.5M
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.95% · Tier avg: 74.53%
37
37th pctile
Total Loans
Current: $86.1M · Tier avg: $139.2M
41
41th pctile
Efficiency Ratio
Current: 69.44% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%