The First Trust and Savings Bank of Watseka: 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: 25.81 percentage points higher than in Q1 2026, at 1825.81%. Within Illinois, The First Trust and Savings Bank of Watseka is 40th of 323 on return on assets, 1.86% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First Trust and Savings Bank of Watseka sits 0.60 points higher, at 1.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.10% |
| Equity capital to assets | 14.93% |
| Tangible equity to tangible assets | 14.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 1825.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 12.72% |
| Net interest margin | 3.51% |
| Efficiency ratio | 40.50% |
| Yield on earning assets | 4.78% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.80% |
| Core deposits to total deposits | 90.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.80% |
| Securities to assets | 49.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.95% | 1.42% | 3.19% | 0.57% | -0.01% |
| Q4 2023 | 14.97% | 1.29% | 3.23% | 0.52% | 0.06% |
| Q1 2024 | 15.52% | 1.80% | 3.42% | 0.54% | -0.02% |
| Q2 2024 | 15.62% | 1.61% | 3.52% | 0.50% | 0.03% |
| Q3 2024 | 15.38% | 1.64% | 3.49% | 0.48% | 0.11% |
| Q4 2024 | 14.95% | 1.58% | 3.37% | 0.47% | -0.01% |
| Q1 2025 | 15.63% | 1.71% | 3.34% | 0.51% | -0.14% |
| Q2 2025 | 16.41% | 1.73% | 3.50% | 0.49% | 0.00% |
| Q3 2025 | 16.40% | 1.74% | 3.64% | 0.46% | -0.01% |
| Q4 2025 | 16.26% | 1.67% | 3.66% | 0.46% | -0.02% |
| Q1 2026 | 16.20% | 1.65% | 3.53% | 0.06% | -0.00% |
| Q2 2026 | 16.10% | 1.86% | 3.51% | 0.06% | 0.03% |
The First Trust and Savings Bank of Watseka vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Trust and Savings Bank of Watseka, 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 The First Trust and Savings Bank of Watseka profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10831) · FFIEC NIC profile (RSSD 193649)