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First State Bank
Mendota, IL · FDIC Certificate #15752 · Chartered 07/0
Total assets
$1.56B
Total deposits
$1.30B
Total equity
$172.13M
Net loans
$1.27B
Branches (offices)
19
Net income (YTD)
$9.18M
Rank: #721 of 4,213 U.S. banks by assets · #43 of 322 in Illinois. Assets changed -0.1% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 10.88% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 98.1% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.13B | 88.9% | |
| Commercial & industrial | $78.29M | 6.2% | |
| Consumer / individual | $7.79M | 0.6% | |
| Construction & development | $36.83M | 2.9% | |
| Agricultural | $69.94M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.45B | $1.19B | $4.55M | $133.64M |
| Jun 2023 | $1.51B | $1.22B | $4.32M | $139.22M |
| Jun 2024 | $1.53B | $1.27B | $5.48M | $147.13M |
| Jun 2025 | $1.56B | $1.27B | $6.86M | $156.78M |
| Jun 2026 | $1.56B | $1.30B | $9.18M | $172.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.30B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.30B.
Similar-sized banks
City First Bank, National Association ($1.56B) · Providence Bank & Trust ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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