First Community Bank, Xenia-Flora is a bank based in Xenia, Illinois, established in 1922, with $57 million in total assets across 2 branches. By Trust Grade it ranks 168th of 328 banks we track in Illinois. Its capital ratio of 9.4% trails most similarly sized banks (22th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.66% return on assets. No consumer complaints against First Community Bank, Xenia-Flora appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Community Bank, Xenia-Flora compares to Illinois peers
How we graded First Community Bank, Xenia-Flora
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.4% capital ratio)
- Strongly profitable (ROA 1.66%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Community Bank, Xenia-Flora over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 1400 N State Rd, Flora, IL 62839
- 260 Front St, Xenia, IL 62899
Are deposits at First Community Bank, Xenia-Flora insured?
Yes. First Community Bank, Xenia-Flora is an FDIC-insured bank (FDIC certificate #3850). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Community Bank, Xenia-Flora: frequently asked questions
Is First Community Bank, Xenia-Flora a good bank?
First Community Bank, Xenia-Flora earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Strongly profitable (ROA 1.66%).
Is First Community Bank, Xenia-Flora FDIC-insured?
Yes. First Community Bank, Xenia-Flora is a FDIC-insured bank (FDIC certificate #3850). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Community Bank, Xenia-Flora?
First Community Bank, Xenia-Flora holds $57 million in total assets, ranking 168th of 328 banks we track in Illinois. It operates 2 branches.
Does First Community Bank, Xenia-Flora have CFPB complaints?
No CFPB complaints against First Community Bank, Xenia-Flora appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
