🏦Bank Scorer

FIRST STATE BANK OF BEECHER CITY

BEECHER CITY, IL · Supervised by FDIC

Est. 1910FDIC #10,871RSSD: FDIC-10871
Part ofTRI-COUNTY BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.55%

Institution Profile

FDIC BankFind

Address

101 S Charles St, BEECHER CITY, IL

County

Effingham County

Established

January 1, 1910

Total Assets

$113M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$113M

Total Deposits

$96M

Net Loans

$81M

Net Income

$719K

ROA

2.55%

ROE

16.66%

Risk-Based Capital

24.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$93M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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