First State Bank of St. Peter
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of St. Peter is an FDIC-insured commercial bank headquartered in Saint Peter, IL, established in 1908 (FDIC certificate 11302), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $30.1M, down 2.5% from Q2 2025, the 308th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 45.91% 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
- 11302
- Headquarters
- Saint Peter, IL
- Established
- 1908
- Total assets, Q2 2026
- $30.1M
- Assets vs Q2 2025
- -2.5%
- CET1 ratio, Q2 2026
- 45.91%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081211106
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of St. Peter call report
- Holding company
- ST. PETER BANCSHARES, INC.
- Asset rank in state
- 308th of 319 in Illinois
Problem loans are rising at First State Bank of St. Peter. The Saint Peter, Illinois bank had $30 million in assets at June 30, 2026, down 2.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.71% of loans from 1.15% a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also pays an average of 0.76% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Net income for the quarter rose 18% from a year earlier, to $133,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $667,000 equal 12% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, First State Bank of St. Peter reported a CET1 capital ratio of 45.91%, a return on assets of 1.73%, a nonperforming-loan ratio of 1.71% and a Texas ratio of 2.44%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First State Bank of St. Peter is the 308th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $30.1M, loans fell 0.6% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 37.1% of total loans, followed by 1-4 family residential loans at 23.1%. Its one office in the FDIC Summary of Deposits is in Saint Peter, IL. Judged on its Q2 2026 call report, First State Bank of St. Peter meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E 3rd St, Saint Peter, IL 62880
- County
- Fayette
- 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
- April 25, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $24.6M
- Allowance for credit losses
- $114K
- Net charge-offs (YTD)
- $24K
- Average total assets
- $30.8M
- Average total loans
- $7.6M
- Average interest-bearing deposits
- $16.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11302
- Fed RSSD
- 426141
- Website
- www.fsbstpeter.com →
- Parent Holding Company
- ST. PETER BANCSHARES, INC. (RSSD 2294634)
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
Over the 12 quarters to Q2 2026, First State Bank of St. Peter's total assets ran between $28.7M (Q4 2024) and $32.2M (Q3 2023), 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
$30.1M total assets against $30.9M; $24.9M total liabilities against $25.8M.
$7.6M net loans and leases against $8.0M; $24.6M total deposits against $25.5M.
$19.7M securities against $20.0M; $2.3M cash and balances due against $2.3M.
$330K total interest income against $318K; $47K total interest expense against $46K.
$283K net interest income against $272K.
$11K total noninterest income against $9K; $142K total noninterest expense against $146K.
$0 provision for credit losses against $0.
$133K net income against $113K.
1.73% return on assets against 1.44%; 4.04% net interest margin against 3.79%.
45.91% CET1 capital ratio against 41.98%; 18.52% tier 1 leverage ratio against 17.55%.
Inside the full First State Bank of St. Peter terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q4 2024) to 1.73% (Q2 2026) and its net interest margin ran from 3.50% (Q4 2024) to 4.18% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 45.91% | 1.73% | 1.71% | 2.44% | 4.04% |
| Q1 2026 | 44.83% | 1.61% | 0.62% | 2.02% | 4.05% |
| Q4 2025 | 43.58% | 1.24% | 0.57% | 2.01% | 4.18% |
| Q3 2025 | 43.07% | 1.39% | 0.38% | 1.72% | 3.83% |
| Q2 2025 | 41.98% | 1.44% | 1.15% | 1.79% | 3.79% |
| Q1 2025 | 41.52% | 1.36% | 1.61% | 2.47% | 3.61% |
| Q4 2024 | 41.81% | 1.17% | 0.28% | 0.47% | 3.50% |
| Q3 2024 | 40.57% | 1.25% | 0.21% | 0.37% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank of St. Peter (main office) | Saint Peter , IL | 62880 | $24.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 364 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank of St. Peter
What are First State Bank of St. Peter's total assets?
As of the Q2 2026 filing, First State Bank of St. Peter reported total assets of $30.1 million in its FFIEC call report.
Where is First State Bank of St. Peter headquartered?
It is headquartered in Saint Peter, IL, United States.
When was First State Bank of St. Peter founded?
It was established in 1908, per the FDIC institution directory.
Is First State Bank of St. Peter FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11302). 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 St. Peter?
First State Bank of St. Peter's primary federal regulator is the Federal Reserve.
What is First State Bank of St. Peter's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 45.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of St. Peter operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of St. Peter's Texas Ratio?
Its Texas Ratio is 2.44% 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.
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