First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 23.65 percentage points in Q2 2026, from 340.33% to 316.68%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First State Bank is 182nd of 323 on return on assets, 1.11% as of Q2 2026. First State Bank reported 1.11% on return on assets for Q2 2026, 0.16 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.42% |
| Tier 1 risk-based capital ratio | 14.42% |
| Total risk-based capital ratio | 15.68% |
| Tier 1 leverage ratio | 10.93% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 10.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.43% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 316.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 10.27% |
| Net interest margin | 3.81% |
| Efficiency ratio | 61.58% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.20% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.77% |
| Deposits to assets | 83.25% |
| Securities to assets | 9.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.21% | 13.21% | 14.35% | 9.78% | 1.01% |
| Q4 2023 | 12.86% | 12.86% | 13.96% | 9.67% | 0.63% |
| Q1 2024 | 13.02% | 13.02% | 14.14% | 9.75% | 0.73% |
| Q2 2024 | 13.16% | 13.16% | 14.27% | 9.87% | 0.69% |
| Q3 2024 | 13.55% | 13.55% | 14.61% | 10.00% | 0.83% |
| Q4 2024 | 13.39% | 13.39% | 14.45% | 10.18% | 0.67% |
| Q1 2025 | 13.81% | 13.81% | 14.99% | 10.24% | 0.72% |
| Q2 2025 | 13.75% | 13.75% | 14.93% | 10.34% | 1.06% |
| Q3 2025 | 13.65% | 13.65% | 14.81% | 10.34% | 1.04% |
| Q4 2025 | 13.75% | 13.75% | 14.91% | 10.45% | 1.04% |
| Q1 2026 | 14.05% | 14.05% | 15.30% | 10.69% | 1.22% |
| Q2 2026 | 14.42% | 14.42% | 15.68% | 10.93% | 1.11% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15752) · FFIEC NIC profile (RSSD 887340)