First Federal Savings Bank of Mascoutah, Illinois
Also written as FFSB of Mascoutah Illinois
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings Bank of Mascoutah, Illinois is an FDIC-insured commercial bank headquartered in Mascoutah, IL, supervised by the Federal Reserve, with $207.3M in total assets at Q2 2026, up 5.8% from Q2 2025, the 187th largest of 319 banks headquartered in Illinois. It was established in 1913 and holds FDIC certificate 30969. Its CET1 capital ratio was 15.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 30969
- Headquarters
- Mascoutah, IL
- Established
- 1913
- Total assets, Q2 2026
- $207.3M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 15.33%
- Domestic offices
- 3 · First Federal Savings Bank of Mascoutah, Illinois branches FDIC institution directory, current count
- Routing number
- 281071227
- Safety and soundness
- Is First Federal Savings Bank of Mascoutah, Illinois safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings Bank of Mascoutah, Illinois call report
- Asset rank in state
- 187th of 319 in Illinois
First Federal Savings Bank of Mascoutah, Illinois, based in Mascoutah, Illinois, reported $207 million in assets at June 30, 2026, up 5.8% from a year earlier. It keeps 2.93 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 2.82% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Delinquency has appeared in its $23 million commercial and industrial book: 6.38% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $452,000, 30% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 15.9% of the capital and reserves that would absorb them, 6.0 times the median of 2.7% for banks its size.
As of June 30, 2026, First Federal Savings Bank of Mascoutah, Illinois reported a CET1 capital ratio of 15.33%, a return on assets of 0.88%, a nonperforming-loan ratio of 2.12% and a Texas ratio of 15.87%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Federal Savings Bank of Mascoutah, Illinois is the 187th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $207.3M, loans rose 3.4% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.2% of total loans, ahead of commercial and industrial loans at 14.2%. Its 3 offices in the FDIC Summary of Deposits are in Mascoutah, IL, Lebanon, IL and New Baden, IL; its Mascoutah office books 70% of its branch deposits. Judged on its Q2 2026 call report, First Federal Savings Bank of Mascoutah, Illinois meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Mascoutah, IL 62258
- County
- St. Clair
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Former names
- First FSB of Mascoutah (1994)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $185.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $205.5M
- Average total loans
- $159.9M
- Average interest-bearing deposits
- $165.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30969
- Fed RSSD
- 966272
- Website
- www.firstfederalmascoutah.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Federal Savings Bank of Mascoutah, Illinois's total assets moved between a low of $177.0M (Q3 2023) and a high of $207.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$207.3M total assets against $196.0M; $187.1M total liabilities against $177.7M.
$161.8M net loans and leases against $152.8M; $185.3M total deposits against $176.9M.
$32.9M securities against $30.3M; $6.5M cash and balances due against $6.9M.
$2.8M total interest income against $2.4M; $1.3M total interest expense against $1.2M.
$1.5M net interest income against $1.3M.
$77K total noninterest income against $73K; $894K total noninterest expense against $816K.
$75K provision for credit losses against $60K.
$452K net income against $347K.
0.88% return on assets against 0.71%; 2.93% net interest margin against 2.63%.
15.33% CET1 capital ratio against 15.15%; 10.46% tier 1 leverage ratio against 10.17%.
Inside the full First Federal Savings Bank of Mascoutah, Illinois terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings Bank of Mascoutah, Illinois rankings
Its closest position to the top of a national ranking is 272 of 3,640, for Texas Ratio; its furthest is 2,752 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 0.88% (Q2 2026) and its net interest margin ran from 2.54% (Q3 2024) to 2.93% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.33% | 0.88% | 2.12% | 15.87% | 2.93% |
| Q1 2026 | 15.53% | 0.82% | 2.19% | 16.25% | 2.78% |
| Q4 2025 | 15.91% | 0.83% | 2.25% | 16.33% | 2.91% |
| Q3 2025 | 15.40% | 0.83% | 2.30% | 17.34% | 2.86% |
| Q2 2025 | 15.15% | 0.71% | 2.29% | 18.00% | 2.63% |
| Q1 2025 | 15.13% | 0.83% | 0.67% | 5.33% | 2.72% |
| Q4 2024 | 14.52% | 0.83% | 0.78% | 6.67% | 2.78% |
| Q3 2024 | 15.78% | 0.65% | 0.60% | 4.63% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Fsb of Mascoutah | Mascoutah , IL | 62258 | $128.8M |
| Lebanon Branch | Lebanon , IL | 62254 | $30.6M |
| New Baden Branch | New Baden , IL | 62265 | $26.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 219 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 71 applications, 64 loans originated, $16.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Savings Bank of Mascoutah, Illinois
What are First Federal Savings Bank of Mascoutah, Illinois's total assets?
As of the Q2 2026 filing, First Federal Savings Bank of Mascoutah, Illinois reported total assets of $207.3 million in its FFIEC call report.
Where is First Federal Savings Bank of Mascoutah, Illinois headquartered?
It is headquartered in Mascoutah, IL, United States.
When was First Federal Savings Bank of Mascoutah, Illinois founded?
It was established in 1913, per the FDIC institution directory.
Is First Federal Savings Bank of Mascoutah, Illinois FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings Bank of Mascoutah, Illinois?
First Federal Savings Bank of Mascoutah, Illinois's primary federal regulator is the Federal Reserve.
What is First Federal Savings Bank of Mascoutah, Illinois's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings Bank of Mascoutah, Illinois operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings Bank of Mascoutah, Illinois's Texas Ratio?
Its Texas Ratio is 15.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Federal Savings Bank of Mascoutah, Illinois previously called?
The charter now named First Federal Savings Bank of Mascoutah, Illinois has also operated as First FSB of Mascoutah (1994), per FDIC structure-change records.
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