FIRST STATE BANK AND TRUST

FIRST STATE BANK AND TRUST is amn medium FDIC-insured commercial bank headquartered in MONTICELLO, IL, established in Nov. 10, 1945, midnight. As of 2025-12-31, the bank reported total assets of $503M and total deposits of $456M. Profitability stands at 1.66% ROA and 19.40% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 21.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 1.80%. FDIC Certificate #16332.