First Bank of Beloit
Beloit, Kansas · FDIC Cert #4630
First Bank of Beloit is an FDIC-insured bank (Certificate #4630) with $108M in total assets and $86M in total deposits as of the Q2 2024 Call Report. Headquartered in Beloit, Kansas, the bank maintains a Tier 1 capital ratio of 18.37% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (95/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Bank of Beloit (FDIC cert 4630) is a community bank — $108M in total assets, $86M in deposits, serving the Beloit, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.37% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 30.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.73% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Bank of Beloit carries a composite BankHealth grade of A (95/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Bank of Beloit
- Total Assets
- $108M
- Total Deposits
- $86M
- Tier 1 Capital Ratio
- 18.37%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 30.00%
- Return on Assets
- 0.73%
- Headquarters
- Beloit, Kansas
- FDIC Certificate
- #4630
- Health Grade
- A (95/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Bank of Beloit holds a Tier 1 capital ratio of 18.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Bank of Beloit has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Bank of Beloit shows strong financial health indicators. With $108M in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Bank of Beloit Compares
First Bank of Beloit’s Health Score of 95 is 26 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 18.37% Tier 1 capital ratio is 4.4 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.73% is below the national ROA benchmark of ~1.1%. Among 1150 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Bank of Beloit is 25 points above the portfolio average of 70.
Frequently Asked Questions
First Bank of Beloit has a Bank Health Score of A (95/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.37%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Bank of Beloit's Tier 1 capital ratio of 18.37% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Bank of Beloit is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4630). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Bank of Beloit holds $108M in total assets and $86M in total deposits. It is headquartered in Beloit, Kansas (FDIC Certificate #4630).
First Bank of Beloit has a Tier 1 capital ratio of 18.37%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.73%.
Yes. First Bank of Beloit is FDIC-insured (Certificate #4630). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Bank of Beloit's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.