BlastPoint's Banking Scorecard

First State Bank of Beecher City

$100M-$1B Specialty: Other IL FDIC cert 10871

Beecher City, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

First State Bank of Beecher City has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 31.5% in tier
+ Net Interest Margin 0.64% above tier average
+ Efficiency Ratio 19.10% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 19.5% in tier
- Credit Risk Growth: Bottom 35.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$113.5M +3.2% YoY +1.2% QoQ	-$272.6M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 4.0% in tier
Total Loans ?	$80.5M +3.5% YoY -2.1% QoQ	-$175.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 11.4% in tier
Total Deposits ?	$95.7M +2.1% YoY +1.5% QoQ	-$232.2M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 4.4% in tier
Return on Assets ?	2.55% +6.7% YoY +10.7% QoQ	+1.28%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 4.1% in tier
Net Interest Margin ?	4.57% +2.1% YoY -2.5% QoQ	+0.64%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	46.18% -7.3% YoY -1.6% QoQ	-19.10%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 10.1% in tier
Delinquency Rate ?	0.89% +145.8% YoY -17.7% QoQ	+0.01%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	84.10% +1.3% YoY -3.6% QoQ	+7.46%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	21.34% +6.8% YoY +3.2% QoQ	-0.68%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.63% +146.5% YoY -20.5% QoQ	+0.00%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	22.78% +8.0% YoY +1.8% QoQ	+6.95%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 8.9% in tier
Non-Interest Income / Assets ?	0.13% +19.6% YoY -72.4% QoQ	-0.15%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#211 of 666 • Top 31.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.55%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#145 of 739 • Bottom 19.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.78%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#342 of 973 • Bottom 35.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

109

Return on Assets

profitability

Value: 2.55%

Peer Median: 1.27%

#109 of 2664 Top 4.1% in $100M-$1B

237

Tier 1 Capital Ratio

capital

Value: 22.78%

Peer Median: 15.83%

#237 of 2664 Top 8.9% in $100M-$1B

270

Efficiency Ratio

profitability

Value: 46.18%

Peer Median: 65.29%

#270 of 2664 Top 10.1% in $100M-$1B

428

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.93%

#428 of 2664 Top 16.0% in $100M-$1B

Top Weaknesses (3 metrics)

2559

Total Assets

size

Value: $113.47M

Peer Median: $386.08M

#2559 of 2664 Bottom 4.0% in $100M-$1B

2548

Total Deposits

size

Value: $95.72M

Peer Median: $327.97M

#2548 of 2664 Bottom 4.4% in $100M-$1B

2361

Total Loans

size

Value: $80.51M

Peer Median: $255.72M

#2361 of 2664 Bottom 11.4% in $100M-$1B