FIRST STATE BANK

MENDOTA, IL | Large | Est. July 6, 1940, midnight | FDIC #15752 | RSSD #887340 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is aln large FDIC-insured commercial bank headquartered in MENDOTA, IL, established in July 6, 1940, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 1.04% ROA and 10.11% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 13.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.56%. FDIC Certificate #15752.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.3B

Equity

$165M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 10.11%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.83%
Cost of Funds 3.41%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.56%
NPA Ratio 0.29%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 13.75%
Tier 1 Capital 13.75%
Total Capital Ratio 14.91%
Leverage Ratio 10.45%
Loan-to-Deposit 101.76%

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