First State Bank of Forrest: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.25 percentage points higher than in Q1 2026, at 116.09%. First State Bank of Forrest ranks 242nd of 323 Illinois banks on return on assets, in the lower half at 0.77% (Q2 2026). First State Bank of Forrest reported 0.77% on return on assets for Q2 2026, 0.48 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 0.73% |
| Texas ratio | 15.93% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 116.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 8.71% |
| Net interest margin | 3.71% |
| Efficiency ratio | 64.08% |
| Yield on earning assets | 6.00% |
| Cost of funds | 2.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.52% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 3.81% |
| Deposits to assets | 85.39% |
| Securities to assets | 5.00% |
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 | 11.35% | 11.35% | 12.23% | 9.06% | 1.03% |
| Q4 2023 | 11.46% | 11.46% | 12.46% | 8.85% | 0.30% |
| Q1 2024 | 10.97% | 10.97% | 11.97% | 8.75% | 0.55% |
| Q2 2024 | 11.22% | 11.22% | 12.24% | 8.80% | 0.48% |
| Q3 2024 | 11.06% | 11.06% | 12.10% | 8.72% | 0.40% |
| Q4 2024 | 11.24% | 11.24% | 12.28% | 8.85% | 0.90% |
| Q1 2025 | 10.88% | 10.88% | 11.97% | 8.79% | 0.55% |
| Q2 2025 | 10.75% | 10.75% | 11.78% | 8.77% | 1.13% |
| Q3 2025 | 10.76% | 10.76% | 11.75% | 8.72% | 1.16% |
| Q4 2025 | 11.17% | 11.17% | 12.15% | 8.97% | 1.53% |
| Q1 2026 | 11.42% | 11.42% | 12.48% | 8.96% | 0.85% |
| Q2 2026 | 11.83% | 11.83% | 12.91% | 9.06% | 0.77% |
First State Bank of Forrest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forrest, 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 of Forrest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11669) · FFIEC NIC profile (RSSD 980438)