First State Bank of Beecher City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Beecher City of Beecher City, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.89% | 1.34% | +1.55% | 97th top |
| ROAE | 18.49% | 12.05% | +6.44% | 82nd top |
| Net Interest Margin | 4.62% | 3.90% | +0.72% | 83rd top |
| Efficiency Ratio | 43.11% | 63.16% | -20.05% | 92nd top |
| PPNR / Avg Assets | 2.89% | 1.64% | +1.25% | 95th top |
| Yield on Earning Assets | 6.41% | 5.65% | +0.76% | 84th top |
| Cost of Funds | 2.09% | 1.85% | +0.24% | 32nd below |
| Net Interest Spread | 3.77% | 3.35% | +0.42% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.66% | 0.92% | +1.74% | 8th bottom |
| NPA / Total Assets | 1.99% | 0.67% | +1.32% | 8th bottom |
| NCO / Avg Loans | 0.31% | 0.14% | +0.17% | 9th bottom |
| ACL / Total Loans | 1.70% | 1.28% | +0.42% | 87th top |
| ACL / NPLs (Coverage) | 63.84% | 1645.81% | -1581.97% | 16th bottom |
| Texas Ratio | 11.93% | 7.15% | +4.78% | 18th bottom |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.29% | 20.83% | +2.46% | 85th top |
| Tier 1 Ratio | 23.29% | 20.86% | +2.43% | 85th top |
| Total Capital Ratio | 24.54% | 21.93% | +2.61% | 85th top |
| Leverage Ratio | 15.98% | 12.46% | +3.52% | 90th top |
| Equity / Assets | 15.98% | 11.67% | +4.31% | 91st top |
| TCE / Tangible Assets | 15.98% | 11.40% | +4.58% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.45% | 78.64% | +10.81% | 29th below |
| Core Deposit Ratio | 96.42% | 87.09% | +9.33% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | 6.48% | -3.77% | 37th below |
| Loan Growth (Y/Y) | 3.84% | 7.64% | -3.80% | 41st below |
| Deposit Growth (Y/Y) | 1.18% | 6.02% | -4.84% | 30th below |
See First State Bank of Beecher City's peers by name
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Unlock First State Bank of Beecher City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank of Beecher City profile, how to read a UBPR, or how this data updates.