Bank · FDIC insured
1st Community Bank
A $65.3M bank headquartered in Sherrard, IL, with 2 branches in Illinois. Best rates: CDs 0.80% and savings 0.10% APY.
1st Community Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#27 of 28 in Davenport, IA-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st Community Bank
1st Community Bank has operated as a community bank since receiving its charter in 1920.
- Headquarters
- 407 3rd St, Sherrard, IL 61281
- FDIC certificate
- 11706 ↗
Branches
2 branches in Illinois
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Illinois
2 branches
- 1st Community BankMain office407 3rd St, Sherrard, IL 61281Directions
- Aledo Branch Facility1803 Se 3rd St, Aledo, IL 61231Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.04% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.49% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.83% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $80 | $67 | — |
- CapitalLeverage ratio10.04%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.49%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$80Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.