First Community Bank and Trust

Beecher, IllinoisFDIC Cert #15913

STATEEstablished 19162 branches

Holding company: FIRST COMMUNITY BCORP INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$22.5M
Investor CRE	$27.6M
Multifamily	$1.17M
Construction	$2.66M
1–4 family	$10.7M
C&I	$24.6M
Agriculture	$3.77M
Other	$8.38M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$101M

+4.8%y/y

Percentile by value42nd percentileby value

FDICLNLSGR

Net loans

$100M

+5.1%y/y

Percentile by value42nd percentileby value

FDICLNLSNET

Loans YoY

+5.07%

+199.8%y/y

Percentile by value50th percentileby value

FDICLNLSNET

L/D

58.7%

+5.4%y/y

Percentile by value23rd percentileby value

FDICLNLSNET + DEP

Loans/assets

49.6%

+4.4%y/y

Percentile by value22nd percentileby value

FDICLNLSNET + ASSET

RE loans %

71.14%

+11.0%y/y

Percentile by value32nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,990points

−9.6%y/y

Peer standing73rd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

22.17%

−14.8%y/y

Percentile by value90th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

27.28%

+5.9%y/y

Percentile by value93rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

24.27%

−14.1%y/y

Percentile by value93rd percentileby value

FDICLNCI + LNLSGR