Bank · FDIC insured
First State Bank of Beecher City
A $112.2M bank headquartered in Beecher City, IL, with 1 branch in Illinois. Best rates: CDs 4.08% and savings 0.60% APY.
First State Bank of Beecher City Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#2 of 9 in Effingham, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank of Beecher City
First State Bank of Beecher City is headquartered in Beecher City, Illinois, tracing its roots to 1907.
Originally started as P.R. Phillips & Co, Bankers of Beecher City, the institution was incorporated as The First State Bank of Beecher City in 1910.
- Headquarters
- 101 S Charles St, Beecher City, IL 62414
- FDIC certificate
- 10871 ↗
Branches
1 branch in Illinois
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Illinois
1 branch
- First State Bank of Beecher CityMain office101 S Charles St, Beecher City, IL 62414Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.81% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.72% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio15.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.81%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.72%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank of Beecher City are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.