FIRST STATE BANK OF FORREST

FORREST, IL | Small | Est. Jan. 1, 1914, midnight | FDIC #11669 | RSSD #980438 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF FORREST is asn small FDIC-insured commercial bank headquartered in FORREST, IL, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $277M. Profitability stands at 1.54% ROA and 17.67% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 9.51%. FDIC Certificate #11669.

Assets

$329M

Deposits

$277M

Loans

$283M

Equity

$29M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 17.67%
Net Interest Margin (NIM) 3.79%
Yield on Assets 6.41%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio 0.12%
Texas Ratio 9.51%
NPA Ratio 0.92%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 12.15%
Leverage Ratio 8.97%
Loan-to-Deposit 102.42%

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