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First State Bank and Trust

Monticello, IL
IDRSSD: 899642
Total Assets
$511.35M
Latest filing
Total Deposits
$465.31M
Latest filing
Net Interest Margin
4.02%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date11/10/1945
Community BankYes
Ownership TypeNot Mutual
ZIP61856
State and County Number17147
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameChampaign-Urbana, IL

Operational Info

Number of Employees98
Domestic Offices10
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date04/01/2023
Date of Deposit Insurance11/10/1945
Primary Insurance AgencyDIF
Websitewww.fsbcorp.com
Data Updated11/14/2025
CERT16332
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$511.35M
Total Deposits$465.31M
Total Liabilities$468.49M
Total Equity Capital$42.87M
Net Income$2.33M
Net Loans and Leases$185.12M
Assets Per Employee ($Millions)$5.01M
Bank Premises and Fixed Assets$9.24M
Cash and Balances due from Depository Institutions$131.66M
Deposits Held in Domestic Offices$465.31M

Key Performance Ratios

Return on Assets (ROA)1.82%
Return on Equity (ROE)22.47%
Net Interest Margin4.02%
Efficiency Ratio60.8%
Tier 1 Risk-Based Capital Ratio22.885%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.383%
Earning Assets to total Assets94.42%

Income and Expense

Total Interest Income$5.89M
Total Noninterest Income$1.10M
Total Interest Expense$1.04M
Total Noninterest Expense$3.62M
Net Interest Income$4.86M
Pre-tax Net Operating Income$2.33M
Provision for Credit Losses$8.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$2.19M
All Other Liabilities$987.00k
Total Liabilities and Capital$511.35M

Securities

Securities$179.91M
Available-for-sale debt securities$179.08M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$838.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First State Bank and Trust?
$511.35M as of the latest filing.
How much are First State Bank and Trust's total deposits?
$465.31M in total deposits.
Where is First State Bank and Trust located?
Monticello, IL.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
10.
When was it established?
11/10/1945.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$185.12M (latest filing).
What is the total interest income (latest filing)?
$5.89M.