First State Bank of Beecher City

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.84%	5-year CD	3.10% - American Express National Bank 60 Month CD
2.02%	1-year CD	1.30% - National Average
1.36%	Savings	2.10% - American Express National Bank High Yield Savings Account

View all First State Bank of Beecher City rates »

Overview / Commentary

www.fsbbc.com

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 348^th largest bank in the state of Illinois. It is also the 4,635^th largest bank in the nation. It was established in 1910 and as of September 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

Data as of Q3 2018

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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 Established	1910
Employees	15
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.48%
Return on Equity - YTD	14.18%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$69.6MM$70.1MM
Loans	Q3 2018vs Q3 2017	$56.8MM$57.4MM
Deposits	Q3 2018vs Q3 2017	$56.7MM$58.2MM
Equity Capital	Q3 2018vs Q3 2017	$12.8MM$11.8MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.1MM$1.2MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.1MM$1.6MM
Real Estate Owned	Q3 2018vs Q3 2017	$0$30.00K

Rates

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First State Bank of Beecher City Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$100	-	IRA Savings
1.36%^*	$40k^*	-	Passbook Savings
OTHER TIERS: 0.50% → Up to $10k \| 0.80% → $10k - $40k
1.00%	$10	$3k	Christmas Club

First State Bank of Beecher City Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
2.84%	$500	-	60 Month CD
2.79%	$500	-	48 Month CD
2.69%	$500	-	36 Month CD
2.58%	$500	-	30 Month CD
2.43%	$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 City	101 South Charles Street	Beecher City, IL 62414

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