Banks | First Community Bank, Xenia-Flora

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First Community Bank, Xenia-Flora

First Community Bank, Xenia-Flora is an FDIC insured institution headquartered at 260 Front St, Xenia, IL 62899.
It was founded in 1922 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - May 03, 2026

SAVINGS RATES	APY	MIN
Savings	0.10%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.25%	$10,000	Compare
6 Mo CD	0.25%	$100,000	Compare
12 Mo CD	0.50%	$10,000	Compare
12 Mo CD	0.50%	$100,000	Compare
18 Mo CD	0.65%	$10,000	Compare
18 Mo CD	0.65%	$100,000	Compare
30 Mo CD	0.65%	$10,000	Compare
30 Mo CD	0.65%	$100,000	Compare
36 Mo CD	0.75%	$10,000	Compare
36 Mo CD	0.75%	$100,000	Compare
48 Mo CD	0.75%	$10,000	Compare
48 Mo CD	0.75%	$100,000	Compare
60 Mo CD	0.90%	$10,000	Compare
60 Mo CD	0.90%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.10%	$2,500	Compare
Money Market	0.15%	$10,000	Compare
Money Market	0.20%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.10%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

PenFed Credit Union
NMLS ID: 401822 / Updated 2026-05-03
Equal Housing Lender

Loans Amounts from $25,000 - $500,000.

Loans Amounts from $25,000 - $500,000.
Get a HELOC from PenFed to Put Your Home Equity to Work.
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans.
Home Equity Line of Credit - Equal Housing Lender.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Pentagon Federal Credit Union
NMLS ID: 401822

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender

Reliant Home Funding, Inc.
NMLS ID: 292473

5.993%

$1,893 Fees & Points $4,081 Total
0.652 Pts ($2,086)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.265%

$1,945 Fees & Points $4,795 Total
0.875 Pts ($2,800)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 3850
Date Established	1922
Assets	$ 56.04 million
Loans	$ 30.22 million
Deposits	$ 47.68 million
Capital	$ 5.28 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 3.14 million
Interest-bearing balances	$ 1.59 million
Total securities	$ 18.51 million
Federal funds sold and reverse repurchase	$ 3.13 million
Net loans and leases	$ 30.22 million
Loan loss allowance	$ 0.17 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	$ 0.44 million
Total Assets	$ 50.76 million

LIABILITIES
Total deposits	$ 47.68 million
Interest-bearing deposits	$ 34.56 million
Deposits held in domestic offices	$ 47.68 million
% insured (estimated)"	87.22%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 3.29 million
Subordinated debt	N.A.
All other liabilities	$ 0.02 millionn
Total Liabilities	$ 50.76 million
Shareholders’ Equity	$ 5.28 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 2.92 million
Total Interest Expense	$ 0.83 million
Net interest income	$ 2.10 million
Provision for loan and lease losses	$ 0.08 million
Total non interest income	$ 0.11 million
Total non interest expense	$ 1.32 million
Pre-tax Net Operating Income	$ 0.28 million

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