First State Bank and Trust (Monticello, IL): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First State Bank and Trust, based in Monticello, Illinois, reported $510 million in assets at June 30, 2026. It pays an average of 0.81% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 19.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Delinquency has appeared in its $24 million multifamily book: 5.29% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.9% and deposits fell 1.4%. Where it has less room is capital: it funds 9.25% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First State Bank and Trust reported a CET1 capital ratio of 22.37%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 1.99%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 W Main St, Monticello, IL 61856
- County
- Piatt
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 10, 1945
- Former names
- First State Bank (2004-2023); First State Bank of Monticello (1972-2004)
- Offices
- 10 domestic
- Employees (FTE)
- 102
- Domestic deposits
- $464.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $510.4M
- Average total loans
- $199.0M
- Average interest-bearing deposits
- $312.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 10, 1945
- FDIC Cert
- 16332
- Fed RSSD
- 899642
- Website
- www.fsbcorp.com →
- Parent Holding Company
- FIRST STATE BANCORP OF MONTICELLO, INC. (RSSD 1209471)
- Ultimate Parent
- RSSD 2310217
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First State Bank and Trust: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.37% | 1.64% | 0.44% | 1.99% | 3.87% |
| Q1 2026 | 21.84% | 1.62% | 0.39% | 1.76% | 3.89% |
| Q4 2025 | 21.78% | 1.63% | 0.50% | 2.28% | 3.90% |
| Q3 2025 | 22.89% | 1.78% | 0.40% | 1.70% | 3.94% |
| Q2 2025 | 22.55% | 1.84% | 0.44% | 2.01% | 3.90% |
| Q1 2025 | 22.05% | 1.75% | 0.53% | 2.69% | 3.85% |
| Q4 2024 | 20.66% | 1.88% | 0.58% | 3.06% | 3.92% |
| Q3 2024 | 20.86% | 1.86% | 0.55% | 3.39% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank and Trust (main office) | Monticello , IL | 61856 | $239.3M |
| Bloomington Branch | Bloomington , IL | 61704 | $94.8M |
| Heyworth First State Branch | Heyworth , IL | 61745 | $40.3M |
| Tuscola Branch | Tuscola , IL | 61953 | $28.9M |
| Champaign Branch | Champaign , IL | 61820 | $25.2M |
| Atwood Branch | Atwood , IL | 61913 | $22.0M |
| Hammond Branch | Hammond , IL | 61929 | $13.9M |
| Drive-In Facility | Monticello , IL | 61856 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2023 | Structure Change | Acquired First State Bank of Bloomington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 21, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 21, 2004 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 2002 | Structure Change | Acquired The State Bank of Hammond Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for First State Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 113 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 188 applications, 164 loans originated, $38.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First State Bank and Trust
What are First State Bank and Trust's total assets?
As of the Q2 2026 filing, First State Bank and Trust reported total assets of $509.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank and Trust headquartered?
First State Bank and Trust is headquartered in Monticello, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First State Bank and Trust founded?
First State Bank and Trust was established in 1945, per the FDIC institution directory.
Is First State Bank and Trust FDIC-insured?
Yes. First State Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #16332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank and Trust?
First State Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank and Trust's CET1 capital ratio?
First State Bank and Trust reported a Common Equity Tier 1 (CET1) capital ratio of 22.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank and Trust operate?
First State Bank and Trust operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank and Trust's Texas Ratio?
First State Bank and Trust's Texas Ratio is 1.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First State Bank and Trust previously called?
The charter now named First State Bank and Trust has also operated as First State Bank (2004-2023), First State Bank of Monticello (1972-2004), per FDIC structure-change records.
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