First State Bank of Beecher City
Beecher City, IL · Cert 10871 · Peer group: banks under $1B in assets in IL (n=149-151) · Tri-County Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$112.2MAssets
$83.8MLoans
$93.7MDeposits
$17.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks under $1B in assets in IL (rank 4 of 151).
- Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets in IL (rank 116 of 149).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.18%
Rank 4 of 151
Net Interest Margin
4.45%
Rank 10 of 151
Efficiency Ratio
44.62%
Rank 6 of 151
Equity / Assets
15.98%
Rank 14 of 151
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 97% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.18% | 0.70% | 1.03% | 1.34% | Beats 97% | 4 / 151 | | |
| Return on Equity | 13.66% | 6.74% | 9.34% | 12.94% | Beats 81% | 28 / 151 | | |
| Net Interest Margin | 4.45% | 3.02% | 3.43% | 3.83% | Beats 93% | 10 / 151 | | |
| Efficiency Ratio | 44.62% | 54.64% | 64.89% | 72.50% | Beats 97% | 6 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.20% | 0.66% | 1.77% | Beats 46% | 82 / 149 | | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.02% | 0.07% | Beats 23% | 116 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 23.29% | 11.83% | 14.17% | 18.66% | Beats 87% | 20 / 151 | | |
| Total Risk-Based Capital Ratio | 24.54% | 12.22% | 14.54% | 19.92% | Beats 87% | 19 / 151 | | |
| Equity / Assets | 15.98% | 9.10% | 10.65% | 12.40% | Beats 91% | 14 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.45% | 54.39% | 71.02% | 80.75% | 89th pctl | 16 / 149 | | |
| Loans / Assets | 74.71% | 45.91% | 61.31% | 68.01% | 89th pctl | 17 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |