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 First Community Bank, Xenia-Flora Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 16, 2026
First Community Bank, Xenia-Flora's 60-Months 60-Month CD rates are at 3.30%, 48-Months 48-Month CD rates are at 3.15%, 1 Year IRA Certificates rates are at 3.05%, 12-Months 12-Month CD rates are at 3.05%, 18-Months 18-Month CD rates are at 3.05%. First Community Bank, Xenia-Flora's savings rates are at 0.75%. First Community Bank, Xenia-Flora's money market rates are at 0.86%. MonitorBankRates evaluates the financial stability of First Community Bank, Xenia-Flora with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.12%. Rates were last updated on 04/16/2026. First Community Bank, Xenia-Flora 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, Xenia-Flora? Share your experience about First Community Bank, Xenia-Flora by leaving a review below, or read customer reviews before you decide to use First Community Bank, Xenia-Flora. 
First Community Bank, Xenia-Flora CD Rates
First Community Bank, Xenia-Flora Savings Rates
First Community Bank, Xenia-Flora Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Community Bank, Xenia-Flora 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, Xenia-Flora 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, Xenia-Flora's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Community Bank, Xenia-Flora
Bank Holding Company
FIRST COMMUNITY BANCSHARES
Address
260 Front St,
Xenia, IL 62899 · Clay
Website
https://www.fcbxeniaflora.com
FDIC Certificate #
3850
Established
01/01/1922
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
2
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.12%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.5680%
Return on Equity (ROE)
27.0700%
Non-Performing Loans (NPL)
0.22%
Total Assets
$56,044,000
Total Deposits
$47,678,000
Equity Capital
$5,282,000
Net Income
$791,000
Headquarters
Xenia
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Community Bank, Xenia-FloraIs First Community Bank, Xenia-Flora a safe place to deposit money?Yes, First Community Bank, Xenia-Flora is considered a safe financial institution. With a Texas Ratio of 4.1160593792173%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Community Bank, Xenia-Flora operate?First Community Bank, Xenia-Flora 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, Xenia-Flora 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, Xenia-Flora provides members with tools to manage their accounts and build a solid financial history. Does First Community Bank, Xenia-Flora offer online and mobile banking?Most modern institutions like First Community Bank, Xenia-Flora 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.fcbxeniaflora.com. Current First Community Bank, Xenia-Flora Rates
Retrieved from our database of financial products. Rates subject to change.
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