What is First State Bank and Trust's financial health grade?

First State Bank and Trust has a TFS Financial Health Grade of C- (score: 72.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank and Trust have?

First State Bank and Trust has 10 branch locations across the United States.

Is First State Bank and Trust FDIC insured?

Yes, First State Bank and Trust is FDIC insured (Certificate #16332).

What are the total assets of First State Bank and Trust?

First State Bank and Trust has total assets of $502.8M as reported in its most recent FDIC filing.

First State Bank and Trust

BankMonticello, Illinois

www.fsbcorp.com

Total Assets

$502.8M

Total Deposits

$455.7M

Branches

Established

1945

TFS Health Grade

C-

72.3 / 100

Average financial health

How we grade

First State Bank and Trust is a bank headquartered in Monticello, Illinois, established in 1945. With $502.8M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio

8.94%(8%)

Total Capital Ratio

22.92%(10%)

Non-Performing Loan Ratio

0.50%

Profitability

Return on Assets (ROA)

1.79%(1%)

Return on Equity (ROE)

22.28%(10%)

Net Interest Margin

3.99%

Efficiency Ratio

60.33%(60%)

Lending & Liquidity

Total Loans

$203.4M

Loan-to-Deposit Ratio

44.12%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+5.27%

Deposit Growth (YoY)

+4.18%

Net Income

$9.0M

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 Bank and TrustHQ	201 W Main St	Monticello	IL	11
First State Bank and Trust	131 N Main St	Atwood	IL	11
First State Bank and Trust	601 Lutz Rd	Bloomington	IL	28
First State Bank and Trust	204 N Prospect Rd	Bloomington	IL	11
First State Bank and Trust	2025 E Lincoln St	Bloomington	IL	28
First State Bank and Trust	101 E Windsor Rd	Champaign	IL	11
First State Bank and Trust	200 S. Don Ryan	Hammond	IL	11
First State Bank and Trust	117 E Main St	Heyworth	IL	11
First State Bank and Trust	201 W Main St	Monticello	IL	23
First State Bank and Trust	801 S Main St	Tuscola	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.