Overview / Commentary
618-487-5161
101 South Charles Street
Beecher City, IL 62414

First State Bank of Beecher City is headquartered in Beecher City and is the 339th largest bank in the state of Illinois. It is also the 4,551st largest bank in the nation. It was established in 1910 and as of December of 2018, it had grown to 15 employees at 1 location. First State Bank of Beecher City's savings rates are 3X the national average, and it has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank of Beecher City has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #10871
Year Established1910
Employees15
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.32%
Return on Equity - YTD13.19%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$72.9MM$70.5MM
LoansQ4 2018vs Q4 2017$56.7MM$57.7MM
DepositsQ4 2018vs Q4 2017$59.6MM$58.1MM
Equity CapitalQ4 2018vs Q4 2017$13.1MM$12.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.2MM$1.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$870.00K$973.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank of Beecher City Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$100-IRA Savings
1.36%*$40k*-Passbook Savings
OTHER TIERS: 0.50% Up to $10k | 0.80% $10k - $40k
1.00%$10$3kChristmas Club

First State Bank of Beecher City Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$300k*-Super NOW Account
OTHER TIERS: 0.50% $1k - $10k | 0.80% $10k - $50k | 1.31% $50k - $300k
0.60%$500-NOW Account

First State Bank of Beecher City CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.74%$500-60 Month CD
2.63%$500-48 Month CD
2.53%$500-36 Month CD
2.38%$500-30 Month CD
2.28%$500-24 Month CD
2.12%$500-18 Month CD
2.02%$500-12 Month CD
1.00%$2.5k-182 Day CD
0.50%$2.5k-91 Day CD
Locations


First State Bank of Beecher City Locations
First State Bank Of Beecher City101 South Charles StreetBeecher City, IL 62414

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