C
First State Bank of Beecher City
Rating Date
October 2025
Risk Based
Capital Ratio
23.55
Leverage
Ratio
15.31
Return On
Assets
2.45%
Total
Assets
107.48M
Capital
16.78M
Total
Deposits
90.27M
Net
Income
2.01M
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Weiss Ratings First State Bank of Beecher City
Beecher City, IL 		Click to
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Rating C
Asset Quality Index 5.40
Capitalization Index 10.00
Liquidity Index 1.00
Profitability Index 8.30
Stability Index 4.30
Company Info First State Bank of Beecher City
Beecher City, IL 		Click to
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FDIC Number 10871
Phone Number (618) 487-5161
Website www.fsbbc.com
Asset Quality First State Bank of Beecher City
Beecher City, IL 		Click to
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1-Year Asset Growth 5.77%
5-Year Asset Growth 9.67%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 1.80%
Non-Performing Loans to Capital 7.52%
Non-Performing Loans to Loans 2.35%
Balance Sheet First State Bank of Beecher City
Beecher City, IL 		Click to
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Total Assets 107.48M
Total Deposits 90.27M
Capital and Reserves First State Bank of Beecher City
Beecher City, IL 		Click to
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Capital 16.78M
Leverage Ratio 15.31
Loan Loss Reserves to Loans 1.80%
Risk-Based Capital Ratio 23.55
Liquidity First State Bank of Beecher City
Beecher City, IL 		Click to
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Hot Money Ratio 18.24%
Liquidity Ratio 6.85%
Profitability First State Bank of Beecher City
Beecher City, IL 		Click to
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5-Year Return on Average Assets 2.16%
Net Income 2.01M
Net Interest Spread 4.54%
Operating Profit to Average Assets 2.45%
Overhead Efficiency Ratio 45.17%
Return on Assets 2.45%
Return on Equity 16.50%