FIRST NB OF BEARDSTOWN
BEARDSTOWN, ILLINOIS · FDIC Cert #3607
Capital & Safety Analysis
According to FDIC financial data, FIRST NB OF BEARDSTOWN holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST NB OF BEARDSTOWN to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST NB OF BEARDSTOWN shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
Frequently Asked Questions
FIRST NB OF BEARDSTOWN has a Bank Health Score of C (63/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NB OF BEARDSTOWN holds $173M in total assets and $151M in total deposits. It is located in BEARDSTOWN, ILLINOIS (FDIC Certificate #3607).
FIRST NB OF BEARDSTOWN has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.34%, and the return on assets is 2.76%.
Yes. FIRST NB OF BEARDSTOWN is FDIC-insured (Certificate #3607). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.