First State Bank of Forrest
First State Bank of Forrest is a locally rooted FDIC-insured community bank based in Forrest, IL. First State Bank of Forrest's Q1 2026 balance sheet shows $329M in assets funded primarily by $280M in customer deposits. Profitability tracks the broader industry — ROA 0.85%, ROE 9.61%, NIM 3.57%. Capital is comfortably above regulatory minimums — CET1 ratio of 11.42% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.99% NPL ratio. It operates 6 branches, primarily in Illinois.
Headquarters Profile
- Address
- 133 E Krack St, FORREST, IL 61741
- County
- Livingston
- Metro Area
- PONTIAC, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 1, 1914
- Branches
- 6 domestic
- Employees (FTE)
- 54
- FDIC Cert
- 11669
- Fed RSSD
- 980438
- Website
- http://wwwfsbforrest.com →
- Parent Holding Company
- FORREST BANCSHARES, INC. (RSSD 1207981)
Capital & Liquidity
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First State Bank of Forrest 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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about First State Bank of Forrest
What are First State Bank of Forrest's total assets?
As of the Q1 2026 filing, First State Bank of Forrest reported total assets of $329.5 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 of Forrest headquartered?
First State Bank of Forrest is headquartered in FORREST, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank of Forrest founded?
First State Bank of Forrest was established in 1914, per the FDIC institution directory.
Is First State Bank of Forrest FDIC-insured?
Yes. First State Bank of Forrest is an FDIC-insured commercial bank (FDIC Certificate #11669). 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 of Forrest?
First State Bank of Forrest'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 of Forrest's CET1 capital ratio?
First State Bank of Forrest reported a Common Equity Tier 1 (CET1) capital ratio of 11.42% in its most recent quarterly filing — above regulatory minimums.
How many branches does First State Bank of Forrest operate?
First State Bank of Forrest operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank of Forrest's Texas Ratio?
First State Bank of Forrest's Texas Ratio is 17.34% — 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.
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