First State Bank and Trust
Monticello, IL
IDRSSD: 899642
Total Assets
$502.76M
Latest filing
Total Deposits
$455.66M
Latest filing
Net Interest Margin
3.98%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071121963MONTICELLO, IL
Key People
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Locations
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Main Office
First State Bank and Trust
201 W Main St
Monticello, IL 61856
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/10/1945FDIC Certificate 10516
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First State Bank and Trust (Main) | 201 W Main St | Monticello, IL |
| BLOOMINGTON BRANCH | 204 N Prospect Rd | Bloomington, IL |
| TUSCOLA BRANCH | 801 S Main St | Tuscola, IL |
| DRIVE-IN FACILITY | 201 W Main St | Monticello, IL |
| WESTMINSTER VILLAGE FACILITY | 2025 E Lincoln St | Bloomington, IL |
| ATWOOD BRANCH | 131 N Main St | Atwood, IL |
| CHAMPAIGN BRANCH | 101 E Windsor Rd | Champaign, IL |
| LUTHER OAKS BRANCH | 601 Lutz Rd | Bloomington, IL |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/10/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61856 |
| State and County Number | 17147 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Champaign-Urbana, IL |
Operational Info
| Number of Employees | 102 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2023 |
| Date of Deposit Insurance | 11/10/1945 |
| Primary Insurance Agency | DIF |
| Website | www.fsbcorp.com |
| Data Updated | 01/30/2026 |
| CERT | 16332 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $502.76M |
| Total Deposits | $455.66M |
| Total Liabilities | $459.12M |
| Total Equity Capital | $43.64M |
| Net Income | $2.10M |
| Net Loans and Leases | $201.06M |
| Assets Per Employee ($Millions) | $4.57M |
| Bank Premises and Fixed Assets | $9.30M |
| Cash and Balances due from Depository Institutions | $108.91M |
| Deposits Held in Domestic Offices | $455.66M |
Key Performance Ratios
| Return on Assets (ROA) | 1.66% |
| Return on Equity (ROE) | 19.4% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 61.59% |
| Tier 1 Risk-Based Capital Ratio | 21.777% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.681% |
| Earning Assets to total Assets | 93.77% |
Income and Expense
| Total Interest Income | $5.74M |
| Total Noninterest Income | $1.12M |
| Total Interest Expense | $997.00k |
| Total Noninterest Expense | $3.61M |
| Net Interest Income | $4.75M |
| Pre-tax Net Operating Income | $2.10M |
| Provision for Credit Losses | $156.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.33M |
| All Other Liabilities | $1.13M |
| Total Liabilities and Capital | $502.76M |
Securities
| Securities | $178.21M |
| Available-for-sale debt securities | $177.46M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $751.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank and Trust?
$502.76M as of the latest filing.
How much are First State Bank and Trust's total deposits?
$455.66M in total deposits.
Where is First State Bank and Trust located?
Monticello, IL.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
10.
When was it established?
11/10/1945.
What is the Return on Assets (ROA)?
1.66%.
How much are total loans and leases?
$201.06M (latest filing).
What is the total interest income (latest filing)?
$5.74M.