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First State Bank And Trust
Monticello, IL · FDIC Certificate #16332 · Chartered 11/1
Total assets
$509.62M
Total deposits
$464.28M
Total equity
$43.11M
Net loans
$198.33M
Branches (offices)
8
Net income (YTD)
$4.17M
Rank: #1,762 of 4,213 U.S. banks by assets · #100 of 322 in Illinois. Assets changed -0.8% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 19.21% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 8.46% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 42.7% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $172.51M | 87.0% | |
| Commercial & industrial | $6.89M | 3.5% | |
| Consumer / individual | $3.49M | 1.8% | |
| Construction & development | $9.69M | 4.9% | |
| Agricultural | $16.96M | 8.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $348.04M | $323.67M | $1.74M | $20.43M |
| Jun 2023 | $495.18M | $462.01M | $4.89M | $29.02M |
| Jun 2024 | $483.35M | $445.89M | $4.68M | $34.06M |
| Jun 2025 | $513.97M | $470.82M | $4.56M | $40.01M |
| Jun 2026 | $509.62M | $464.28M | $4.17M | $43.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $464.28M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $464.28M.
Similar-sized banks
The Bank Of Advance ($509.94M) · The Casey County Bank, Inc. ($508.41M)
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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