FIRST STATE BANK AND TRUST
FIRST STATE BANK AND TRUST is an FDIC-insured commercial bank headquartered in MONTICELLO, IL, established in 1945. As of , 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 3.88%. CET1 capital ratio: 21.78%, well above regulatory minimums. NPL ratio: 0.90% · Texas Ratio: 3.97%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First State Bank and Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 21.78% | 1.66% | 0.90% | 3.97% | 3.88% |
| 2025-09-30 | 22.89% | 1.82% | 0.93% | 3.86% | 3.97% |
| 2025-06-30 | 22.55% | 1.87% | 0.93% | 4.11% | 3.90% |
| 2025-03-31 | 22.05% | 1.76% | 0.99% | 4.68% | 3.82% |
| 2024-12-31 | 20.66% | 1.92% | 0.52% | 2.62% | 3.93% |
| 2024-09-30 | 20.86% | 1.89% | 0.58% | 3.37% | 4.04% |
| 2024-06-30 | 20.65% | 1.92% | 0.58% | 3.87% | 4.02% |
| 2024-03-31 | 20.20% | 1.95% | 0.80% | 4.43% | 3.94% |
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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 Q4 2025 filing, First State Bank and Trust reported total assets of $502.8 million in its most recent 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 required of all FDIC-insured commercial banks.
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 21.78% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First State Bank and Trust operate?
First State Bank and Trust operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank and Trust's Texas Ratio?
First State Bank and Trust's Texas Ratio is 3.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.