First State Bank of Beecher City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.79 percentage points higher than in Q1 2026, at 89.45%. On return on assets, First State Bank of Beecher City ranks 7th highest among the 323 banks headquartered in Illinois, at 2.89% (Q2 2026). First State Bank of Beecher City's return on assets of 2.89% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.29% |
| Tier 1 risk-based capital ratio | 23.29% |
| Total risk-based capital ratio | 24.54% |
| Tier 1 leverage ratio | 15.98% |
| Equity capital to assets | 15.98% |
| Tangible equity to tangible assets | 15.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.66% |
| Non-performing assets ratio | 1.99% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 11.93% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | 63.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.89% |
| Return on equity | 18.49% |
| Net interest margin | 4.62% |
| Efficiency ratio | 43.11% |
| Yield on earning assets | 6.41% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.45% |
| Core deposits to total deposits | 96.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.52% |
| Securities to assets | 17.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.70% | 20.70% | 21.95% | 14.14% | 1.96% |
| Q4 2023 | 21.52% | 21.52% | 22.77% | 14.40% | 2.08% |
| Q1 2024 | 21.58% | 21.58% | 22.83% | 14.36% | 2.66% |
| Q2 2024 | 22.93% | 22.93% | 24.18% | 15.48% | 4.65% |
| Q3 2024 | 22.65% | 22.65% | 23.90% | 15.97% | 3.00% |
| Q4 2024 | 22.76% | 22.76% | 24.02% | 15.76% | 2.00% |
| Q1 2025 | 21.09% | 21.09% | 22.34% | 14.55% | 2.38% |
| Q2 2025 | 21.69% | 21.69% | 22.94% | 14.82% | 2.33% |
| Q3 2025 | 22.29% | 22.29% | 23.55% | 15.31% | 2.65% |
| Q4 2025 | 22.38% | 22.38% | 23.64% | 15.37% | 1.78% |
| Q1 2026 | 22.78% | 22.78% | 24.04% | 15.23% | 2.54% |
| Q2 2026 | 23.29% | 23.29% | 24.54% | 15.98% | 2.89% |
First State Bank of Beecher City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Beecher City, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Beecher City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10871) · FFIEC NIC profile (RSSD 601041)