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First State Bank of Beecher City

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

Beecher City, IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.2% year over year ($93.7M on the books).
  • Delinquency rate 0.83%.
  • Return on assets 2.72%.
  • Efficiency ratio 44.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First State Bank of Beecher City has 4 strengths but faces 3 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 15.9% in tier
  • + Efficiency Ratio 19.86% below tier average
  • + Net Interest Margin 0.65% above tier average
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 12.9% in tier
  • - Liquidity Overhang: Bottom 17.7% in tier
  • - Credit Quality Pressure: Bottom 38.1% in tier
Get updates when First State Bank of Beecher City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $112.2M
+2.7% YoY -1.1% QoQ
-$274.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 3.3% in tier
Total Loans ? $82.4M
+3.9% YoY +2.3% QoQ
-$176.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 11.6% in tier
Total Deposits ? $93.7M
+1.2% YoY -2.1% QoQ
-$233.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 3.7% in tier
Return on Assets ? 2.72%
+15.1% YoY +6.7% QoQ
+1.40% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 3.1% in tier
Net Interest Margin ? 4.64%
+2.4% YoY +1.5% QoQ
+0.65% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 44.62%
-5.2% YoY -3.4% QoQ
-19.86% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 8.5% in tier
Delinquency Rate ? 0.83%
+14.0% YoY -7.6% QoQ
-0.09% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 87.93%
+2.7% YoY +4.5% QoQ
+9.98% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 21.64%
+2.6% YoY +1.4% QoQ
-0.39% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.61%
+15.3% YoY -4.3% QoQ
-0.06% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 23.29%
+7.4% YoY +2.2% QoQ
+7.38% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 8.6% in tier
Non-Interest Income / Assets ? 0.28%
+20.8% YoY +107.6% QoQ
-0.29% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 21.6%
+0.6pp YoY
+0.3pp QoQ
 -0.5pp 22.1% 20.1% 22.2% 52%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 15.0%
+3.9pp YoY
+0.5pp QoQ
 +3.5pp 11.6% 14.7% 12.5% 76%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 33.8%
+2.7pp YoY
+0.3pp QoQ
 +1.1pp 32.6% 28.3% 31.3% 59%
Consumer 13.4%
-1.3pp YoY
-0.5pp QoQ
 +9.3pp 4.1% 5.4% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 23.3%
+1.6pp YoY
+0.5pp QoQ
 +4.5pp 18.8% 19.9% 19.7% 86%
Leverage Ratio 16.0%
+1.2pp YoY
+0.7pp QoQ
 +3.8pp 12.2% 12.2% 12.6% 90%
Total Capital Ratio 24.5%
+1.6pp YoY
+0.5pp QoQ
 +4.6pp 19.9% 20.9% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 14
0 YoY
0 QoQ
 -45 58 228 482 3%
Assets per Employee ($) $8.0M
+2.7% YoY
-1.1% QoQ
 +$494K $7.5M $8.3M $8.8M 68%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 50%
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 64%
Allowance Coverage 2.09x
-14.1% YoY
+1.0% QoQ
 -22.06x 24.15x 5.62x 20.23x 49%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 17.5%
+1.7pp YoY
+0.9pp QoQ
 +5.3pp 12.2% 10.5% 11.6% 80%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 61%
Net Income ($, YTD) $1.5M
+19.6% YoY
— QoQ
 -$1.0M $2.6M $11.7M $40.4M 42%

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
#106 of 661 • Top 15.9% in tier

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

Why this signature
Return on Assets: 2.72%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#122 of 936 • Bottom 12.9% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#132 of 742 • Bottom 17.7% 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: 23.29%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.93%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#480 of 1256 • Bottom 38.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.83%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

84
Return on Assets
profitability
Value: 2.72%
Peer Median: 1.32%
#84 of 2643 Top 3.1% in $100M-$1B
226
Efficiency Ratio
profitability
Value: 44.62%
Peer Median: 64.48%
#226 of 2643 Top 8.5% in $100M-$1B
228
Tier 1 Capital Ratio
capital
Value: 23.29%
Peer Median: 15.91%
#228 of 2643 Top 8.6% in $100M-$1B
436
Net Interest Margin
profitability
Value: 4.64%
Peer Median: 3.99%
#436 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (3 metrics)

2556
Total Assets
size
Value: $112.17M
Peer Median: $386.57M
#2556 of 2643 Bottom 3.3% in $100M-$1B
2545
Total Deposits
size
Value: $93.68M
Peer Median: $326.73M
#2545 of 2643 Bottom 3.7% in $100M-$1B
2338
Total Loans
size
Value: $82.37M
Peer Median: $258.35M
#2338 of 2643 Bottom 11.6% in $100M-$1B
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