First State Bank of Beecher City

Overview / Commentary
101 South Charles Street
Beecher City, IL 62414

First State Bank of Beecher City is headquartered in BEECHER CITY and is the 283rd largest bank in the state of Illinois. It is also the 3,894th largest bank in the nation. It was established in 1910 and as of September of 2023, it had grown to 14 employees at 1 location. First State Bank of Beecher City's CD rates are 5X the national average, and it has a B health rating.


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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

FDIC Certificate #10871
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.32%
Return on Equity - YTD17.55%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$97.7MM$106.6MM
LoansQ3 2023vs Q3 2022$67.7MM$59.1MM
DepositsQ3 2023vs Q3 2022$83.4MM$93.9MM
Equity CapitalQ3 2023vs Q3 2022$14MM$12.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.2MM$1.2MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.3MM$1.7MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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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

3.55%$100-IRA Savings
2.00%$10$3kChristmas Club
1.77%*$40k*-Passbook Savings
OTHER TIERS: 0.60% Up to $10k | 1.01% $10k - $40k

First State Bank of Beecher City Checking Account Rates

2.53%*$300k*-Super NOW Account
OTHER TIERS: 0.70% $1k - $10k | 1.00% $10k - $50k | 1.76% $50k - $300k
0.60%$500-NOW Account

First State Bank of Beecher City CD Rates

4.34%$500-12 Month CD
4.08%$500-18 Month CD
4.00%$2.5k-91 Day CD
4.00%$2.5k-182 Day CD
3.82%$500-24 Month CD
3.56%$500-30 Month CD
3.56%$500-36 Month CD
3.56%$500-48 Month CD
3.56%$500-60 Month CD

First State Bank of Beecher City Locations
First State Bank Of Beecher City101 S Charles StBeecher City, IL 62414

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