First State Bank of St. Peter: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 45.91% was up 108bps from the prior quarter. Asset quality shifted last quarter, NPLs rose to 1.94% from 0.70% in the prior period. First State Bank of St. Peter is a small community bank chartered in 1908, based in Saint Peter, IL. As of Q2 2026, the bank held approximately $30M in total assets and $25M in deposits. The bank posts a strong 1.73% ROA and 10.13% ROE. Regulatory capital is solid, 45.91% CET1 and 46.83% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 1.94%. The bank operates from a single office.
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 1.94%, a Texas ratio of 2.77%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- Employees (FTE)
- 4
- Domestic deposits
- $24.6M
- Allowance for credit losses
- $114K
- Net charge-offs (YTD)
- $24K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank of St. Peter terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First State Bank of St. Peter, freeFirst State Bank of St. Peter rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 45.91% | 1.73% | 1.94% | 2.77% | 4.04% |
| Q1 2026 | 44.83% | 1.61% | 0.70% | 2.38% | 4.05% |
| Q4 2025 | 43.58% | 1.24% | 0.67% | 2.40% | 4.18% |
| Q3 2025 | 43.07% | 1.39% | 0.26% | 2.13% | 3.83% |
| Q2 2025 | 41.98% | 1.44% | 0.29% | 2.25% | 3.79% |
| Q1 2025 | 41.52% | 1.36% | 0.29% | 2.47% | 3.61% |
| Q4 2024 | 41.81% | 1.17% | 0.00% | 0.47% | 3.50% |
| Q3 2024 | 40.57% | 1.25% | 0.00% | 0.37% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of St. Peter (main office) | Saint Peter , IL | 62880 | $24.6M |
Regulatory record
What the public regulatory sources show for First State Bank of St. Peter, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 364 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First State Bank of St. Peter’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First State Bank of St. Peter with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank of St. Peter headquartered?
First State Bank of St. Peter is headquartered in Saint Peter, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank of St. Peter founded?
First State Bank of St. Peter was established in 1908, per the FDIC institution directory.
Is First State Bank of St. Peter FDIC-insured?
Yes. First State Bank of St. Peter 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank of St. Peter's CET1 capital ratio?
First State Bank of St. Peter 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?
First State Bank of St. Peter 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?
First State Bank of St. Peter's Texas Ratio is 2.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on First State Bank of St. Peter.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First State Bank of St. Peter, freeFree account