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First Community Bank and Trust

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First Community Bank and Trust Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

First Community Bank and Trust rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not First Community Bank and Trust, and you can see how they compare in the First Community Bank and Trust rate tables below. MonitorBankRates evaluates the financial stability of First Community Bank and Trust with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.48%. Database rates last updated and verified on 08/30/2026.

First Community Bank and Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Community Bank and Trust? Share your experience about First Community Bank and Trust by leaving a review below, or read customer reviews before you decide to use First Community Bank and Trust.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.48%

Good Higher than avg

First Community Bank and Trust

1111 Dixie Hwy
Beecher, IL 60401

https://www.firstcbt.com

Current Rate Availability

We're not currently displaying rates for First Community Bank and Trust, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Community Bank and Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Community Bank and Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Community Bank and Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Community Bank and Trust

Bank Holding Company FIRST COMMUNITY BCORP INC

Address 1111 Dixie Hwy, Beecher, IL 60401 · Will

Website https://www.firstcbt.com

FDIC Certificate # 15913

Established 11/16/1916

FDIC Insurance Date 10/04/1952

Domestic Offices 2

Total Branches 2

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3832%

Return on Equity (ROE) 13.6900%

Non-Performing Loans (NPL) 1.72%

Total Assets $201,699,000

Total Deposits $170,073,000

Equity Capital $26,498,000

Net Income $2,527,000

Headquarters Beecher

Total Branches and Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Community Bank and Trust

How many branches does First Community Bank and Trust operate?

First Community Bank and Trust currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Community Bank and Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Does First Community Bank and Trust offer online and mobile banking?

Most modern institutions like First Community Bank and Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcbt.com.