First Stb of Beecher City
Beecher City, Illinois · FDIC Cert #10871
First Stb of Beecher City is an FDIC-insured bank (Certificate #10871) with $101M in total assets and $85M in total deposits as of the Q2 2024 Call Report. Headquartered in Beecher City, Illinois, the bank maintains a Tier 1 capital ratio of 22.93% (Well-Capitalized) and a nonperforming loan ratio of 0.75%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Stb of Beecher City (FDIC cert 10871) is a community bank — $101M in total assets, $85M in deposits, serving the Beecher City, Illinois 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 22.93% 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 normal: non-performing loan ratio of 0.75% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 3.67% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First Stb of Beecher City carries a composite BankHealth grade of A (90/100) 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 Stb of Beecher City
- Total Assets
- $101M
- Total Deposits
- $85M
- Tier 1 Capital Ratio
- 22.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.75%
- Liquidity Ratio
- 24.42%
- Return on Assets
- 3.67%
- Headquarters
- Beecher City, Illinois
- FDIC Certificate
- #10871
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Stb of Beecher City holds a Tier 1 capital ratio of 22.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Stb of Beecher City has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Stb of Beecher City shows strong financial health indicators. With $101M in assets and a Health Score of 90/100, 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 Stb of Beecher City Compares
First Stb of Beecher City’s Health Score of 90 is 18 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 22.93% Tier 1 capital ratio is 8.9 points above the US banking industry average near 14%. The 0.75% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 3.67% is in line with or above the national ROA benchmark of ~1.1%. Among 1103 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Stb of Beecher City is 20 points above the portfolio average of 70.
Frequently Asked Questions
First Stb of Beecher City has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.93%, 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 Stb of Beecher City's Tier 1 capital ratio of 22.93% and nonperforming loan ratio of 0.75% 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 Stb of Beecher City is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10871). 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 Stb of Beecher City holds $101M in total assets and $85M in total deposits. It is headquartered in Beecher City, Illinois (FDIC Certificate #10871).
First Stb of Beecher City has a Tier 1 capital ratio of 22.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.75%, and the return on assets is 3.67%.
Yes. First Stb of Beecher City is FDIC-insured (Certificate #10871). 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 Stb of Beecher City'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.