What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of C- (score: 72.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank have?

First State Bank has 20 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #15752).

What are the total assets of First State Bank?

First State Bank has total assets of $1.6B as reported in its most recent FDIC filing.

First State Bank

BankMendota, Illinois

WWW.FIRSTSTATEBANK.BIZ

Total Assets

$1.6B

Total Deposits

$1.3B

Branches

Established

1940

TFS Health Grade

C-

72.7 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Mendota, Illinois, established in 1940. With $1.6B in total assets and 20 branch locations, it has a TFS Financial Health Grade of C- (72.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.45%(8%)

Total Capital Ratio

14.91%(10%)

Non-Performing Loan Ratio

0.43%

Profitability

Return on Assets (ROA)

0.96%(1%)

Return on Equity (ROE)

9.54%(10%)

Net Interest Margin

3.44%

Efficiency Ratio

68.83%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

100.61%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+3.63%

Deposit Growth (YoY)

+2.33%

Net Income

$15.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First State BankHQ	706 Washington St	Mendota	IL	11
First State Bank	825 N. Randall Rd	Batavia	IL	11
First State Bank	502 N Hershey Rd	Bloomington	IL	11
First State Bank	2911 Crossing Ct	Champaign	IL	11
First State Bank	323 W State St	Geneva	IL	11
First State Bank	90 N Main St	La Moille	IL	11
First State Bank	411 W Main St	Mcnabb	IL	11
First State Bank	1403 13th Ave	Mendota	IL	23
First State Bank	75 S Randall Rd	North Aurora	IL	11
First State Bank	1212 La Salle St	Ottawa	IL	11
First State Bank	4351 Venture Dr	Peru	IL	11
First State Bank	1693 N Main St	Princeton	IL	11
First State Bank	304 Highway 38 E	Rochelle	IL	11
First State Bank	2601 Oak St	Saint Charles	IL	11
First State Bank	103 N 9th Ave	Saint Charles	IL	24
First State Bank	203 W Comanche Ave	Shabbona	IL	11
First State Bank	115 Plaza Dr	Streator	IL	11
First State Bank	1940 Dekalb Ave	Sycamore	IL	11
First State Bank	10001 U S 30	Waterman	IL	11
First State Bank	752 2nd St.	West Brooklyn	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.