Headquartered in Beecher City, Illinois, First State Bank of Beecher City is a state-chartered bank with $112.2M in total assets and $93.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1910.
First State Bank of Beecher City has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 22nd. Capital cushion contributes the most (100/100, 15.98%); funding & liquidity contributes the least (71/100, 88% loans-to-deposits, 16% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 88 |
| Q4 2024 | 90 |
| Q1 2025 | 92 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 86 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.48% |
| Q3 2024 | 15.97% |
| Q4 2024 | 15.76% |
| Q1 2025 | 14.55% |
| Q2 2025 | 14.82% |
| Q3 2025 | 15.31% |
| Q4 2025 | 15.37% |
| Q1 2026 | 15.23% |
| Q2 2026 | 15.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.76% |
| Q4 2025 | 1.07% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.67% |
| Q3 2024 | 3.44% |
| Q4 2024 | 3.08% |
| Q1 2025 | 2.39% |
| Q2 2025 | 2.36% |
| Q3 2025 | 2.47% |
| Q4 2025 | 2.30% |
| Q1 2026 | 2.55% |
| Q2 2026 | 2.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $112.2M | 15.98% | 0.81% | 2.72% | 87.9% |
| Q1 2026 | 88 | $113.5M | 15.23% | 0.88% | 2.55% | 84.1% |
| Q4 2025 | 86 | $112.1M | 15.37% | 1.07% | 2.30% | 87.2% |
| Q3 2025 | 89 | $107.5M | 15.31% | 0.76% | 2.47% | 89.5% |
| Q2 2025 | 89 | $109.2M | 14.82% | 0.71% | 2.36% | 85.6% |
| Q1 2025 | 92 | $110.0M | 14.55% | 0.36% | 2.39% | 83.0% |
| Q4 2024 | 90 | $105.9M | 15.76% | 0.56% | 3.08% | 87.8% |
| Q3 2024 | 88 | $101.6M | 15.97% | 0.80% | 3.44% | 90.6% |
| Q2 2024 | 89 | $101.4M | 15.48% | 0.75% | 3.67% | 85.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central Savings, f.s.b.Bank Chicago, IL | 75 out of 100, Strong | $111.9M | 25.5% | 0.57% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| Midland Federal Savings and Loan AssociationBank Bridgeview, IL | 51 out of 100, Below average | $111.2M | 8.5% | 1.00% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
Deposit insurance
Is my money safe at First State Bank of Beecher City?
Yes. First State Bank of Beecher City is an FDIC-insured institution (FDIC certificate #10871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($15.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.54% (benchmark: 10%).
1 location
Branches
First State Bank of Beecher City lists 1 office in 1 city. Most locations:
- Beecher City, IL (1)
Identity & history
Profile
- Legal name
- First State Bank of Beecher City
- Type
- State-chartered bank
- FDIC certificate #
- 10871
- RSSD ID
- 601041
- Primary regulator
- FDIC
- Holding company
- Tri-County Bancshares Inc
- Established
- January 1, 1910
- Headquarters
- 101 S Charles St, Beecher City, IL 62414
- Website
- www.fsbbc.com
- Employees
- 14
Quick answers
First State Bank of Beecher City: common questions
Is First State Bank of Beecher City FDIC insured?
Yes. First State Bank of Beecher City is an FDIC-insured institution (FDIC certificate #10871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Beecher City's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank of Beecher City ever failed?
There is no failure record for FDIC certificate #10871 in the FDIC failed bank list.
How many branches does First State Bank of Beecher City have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beecher City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| First National Bank of PanaBank Pana, IL | 78 out of 100, Strong | $394.8M | 10.5% | 0.07% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |