The First Trust and Savings Bank of Watseka, Illinois
Watseka, IL
IDRSSD: 193649
Total Assets
$321.27M
Latest filing
Total Deposits
$268.64M
Latest filing
Net Interest Margin
3.76%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The First Trust and Savings Bank of Watseka, Illinois
120 E Walnut St
Watseka, IL 60970
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/28/1909FDIC Certificate 6929
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First Trust and Savings Bank of Watseka, Illinois (Main) | 120 E Walnut St | Watseka, IL |
| CLIFTON BRANCH | 145 E 5th Ave | Clifton, IL |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Iroquois Federal Savings and Loan Association
Watseka, Illinois
→
Assets: $862.33MΔ +172.9%
Community State Bank of Rock Falls
Rock Falls, Illinois
→
Assets: $314.55MΔ -0.4%
Buena Vista National Bank
Chester, Illinois
→
Assets: $311.56MΔ -1.4%
State Bank of Toulon
Toulon, Illinois
→
Assets: $321.77MΔ +1.8%
Flanagan State Bank
Flanagan, Illinois
→
Assets: $310.14MΔ -1.8%
The First National Bank in Amboy
Amboy, Illinois
→
Assets: $310.07MΔ -1.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/28/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60970 |
| State and County Number | 17075 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ftsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 10831 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $321.27M |
| Total Deposits | $268.64M |
| Total Liabilities | $271.12M |
| Total Equity Capital | $50.16M |
| Net Income | $1.38M |
| Net Loans and Leases | $167.75M |
| Assets Per Employee ($Millions) | $10.36M |
| Bank Premises and Fixed Assets | $1.09M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $268.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 11.11% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 44.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.612% |
| Earning Assets to total Assets | 96.95% |
Income and Expense
| Total Interest Income | $3.90M |
| Total Noninterest Income | $375.00k |
| Total Interest Expense | $1.00M |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $2.90M |
| Pre-tax Net Operating Income | $1.78M |
| Provision for Credit Losses | $32.00k |
| 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 | $1.42M |
| All Other Liabilities | $1.06M |
| Total Liabilities and Capital | $321.27M |
Securities
| Securities | $143.64M |
| Available-for-sale debt securities | $143.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First Trust and Savings Bank of Watseka, Illinois?
$321.27M as of the latest filing.
How much are The First Trust and Savings Bank of Watseka, Illinois's total deposits?
$268.64M in total deposits.
Where is The First Trust and Savings Bank of Watseka, Illinois located?
Watseka, IL.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
2.
When was it established?
06/28/1909.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$167.75M (latest filing).
What is the total interest income (latest filing)?
$3.90M.