First National Bank of Beardstown, The
Beardstown, IL · Cert 3607 · Peer group: banks under $1B in assets in IL (n=157-159)
FDIC · 3 branches
Q3 2024
$165.1MAssets
$96.7MLoans
$141.6MDeposits
$22.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in IL (rank 1 of 159).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in IL (rank 146 of 159).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.36%
Rank 5 of 159
Net Interest Margin
5.34%
Rank 1 of 159
Efficiency Ratio
52.77%
Rank 17 of 159
Equity / Assets
13.80%
Rank 22 of 159
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 90% 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 | 2.36% | 0.56% | 0.82% | 1.11% | Beats 97% | 5 / 159 | | |
| Return on Equity | 17.07% | 5.28% | 7.77% | 10.31% | Beats 98% | 3 / 159 | | |
| Net Interest Margin | 5.34% | 2.53% | 2.96% | 3.42% | Beats 99% | 1 / 159 | | |
| Efficiency Ratio | 52.77% | 58.79% | 67.93% | 78.30% | Beats 90% | 17 / 159 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.14% | 0.52% | 1.25% | Beats 48% | 82 / 157 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.10% | Beats 82% | 31 / 157 | | |
| Capital |
| Tier 1 Capital Ratio | 10.09% | 11.06% | 14.12% | 19.23% | Beats 8% | 146 / 159 | | |
| Total Risk-Based Capital Ratio | 10.09% | 11.59% | 14.45% | 20.25% | Beats 8% | 146 / 159 | | |
| Equity / Assets | 13.80% | 8.31% | 9.92% | 12.08% | Beats 86% | 22 / 159 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.25% | 54.00% | 71.90% | 80.89% | 43rd pctl | 90 / 157 | | |
| Loans / Assets | 58.54% | 47.22% | 61.34% | 68.55% | 45th pctl | 87 / 157 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |