First State Bank of Beecher City: how it compares with its peers
Against 112 IL banks with half to twice its assets, First State Bank of Beecher City's strongest measure in Q2 2026 is return on assets (2.72% vs. a 1.05% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.72% | 1.05% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 3.74% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.62% | 66.80% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $6.2M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.93% | 67.87% | Context |
What it means for lending operations
Its efficiency ratio of 44.62% is better than the 66.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Central Savings, f.s.b. Chicago, IL · $112M
- Exchange State Bank Lanark, IL · $113M
- Midland Federal Savings and Loan Association Bridgeview, IL · $111M
- The First National Bank of Sparta Sparta, IL · $115M
- Anderson State Bank Oneida, IL · $109M
Questions about First State Bank of Beecher City
How big is First State Bank of Beecher City?
First State Bank of Beecher City, established in 1910, is headquartered in Beecher City, IL. It reported $112M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First State Bank of Beecher City's return on assets?
2.72% annualized in Q2 2026, against a 1.05% median for 112 IL banks with half to twice its assets, ahead of 98% of them.
What is First State Bank of Beecher City's efficiency ratio?
44.62% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 66.80%, and lower is better.
Is First State Bank of Beecher City growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.