FIRST STATE BANK OF BEECHER CITY

BEECHER CITY, IL | Small | Est. Jan. 1, 1910, midnight | FDIC #10871 | RSSD #601041 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF BEECHER CITY is asn small FDIC-insured commercial bank headquartered in BEECHER CITY, IL, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $112M and total deposits of $94M. Profitability stands at 1.83% ROA and 11.79% ROE, with a net interest margin of 5.01%. The bank's CET1 capital ratio is 22.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 4.06%. FDIC Certificate #10871. The institution operates 1 domestic branch.

Assets

$112M

Deposits

$94M

Loans

$84M

Equity

$17M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 11.79%
Net Interest Margin (NIM) 5.01%
Yield on Assets 7.09%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio 0.18%
Texas Ratio 4.06%
NPA Ratio 0.68%
ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 22.38%
Tier 1 Capital 22.38%
Total Capital Ratio 23.64%
Leverage Ratio 15.37%
Loan-to-Deposit 88.81%

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