BlastPoint's Banking Scorecard
First State Bank of Beecher City
Micro
Specialty: Other
IL
FDIC cert 10871
Designations: ✓ Community bank
Beecher City, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First State Bank of Beecher City shows strong momentum with 2 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.22% above tier
- + Efficiency Ratio 20.80% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.1M
+5.9% YoY
+4.3% QoQ
|
-$105.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$82.2M
+5.6% YoY
+1.8% QoQ
|
-$56.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$94.3M
+6.3% YoY
+4.4% QoQ
|
-$89.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
2.30%
-25.2% YoY
-6.9% QoQ
|
+1.22% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.68%
-4.3% YoY
+0.6% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
46.93%
+9.5% YoY
+3.9% QoQ
|
-20.80% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
1.09%
+89.4% YoY
+41.0% QoQ
|
+0.45% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
87.23%
-0.7% YoY
-2.5% QoQ
|
+12.71% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
20.68%
+9.4% YoY
+1.1% QoQ
|
-1.72% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.80%
+88.9% YoY
+37.6% QoQ
|
+0.35% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
22.38%
-1.7% YoY
+0.4% QoQ
|
+13.53% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.49%
-44.8% YoY
+32.1% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.93%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 46.93% · Tier avg: 67.73%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.38% · Tier avg: 8.85%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.68% · Tier avg: 22.39%
35
35th pctile
Total Loans
Current: $82.2M · Tier avg: $139.2M
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.23% · Tier avg: 74.53%
27
27th pctile
Total Deposits
Current: $94.3M · Tier avg: $183.7M
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
27
27th pctile
Total Deposits
Current: $94.3M · Tier avg: $183.7M
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.23% · Tier avg: 74.53%
35
35th pctile
Total Loans
Current: $82.2M · Tier avg: $139.2M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.68% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.38% · Tier avg: 8.85%
93
93th pctile
Efficiency Ratio
Current: 46.93% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%