Advertisement
The First Trust And Savings Bank Of Watseka, Illinois
Watseka, IL · FDIC Certificate #10831 · Chartered 06/2
Total assets
$337.13M
Total deposits
$285.87M
Total equity
$50.35M
Net loans
$152.10M
Branches (offices)
2
Net income (YTD)
$2.97M
Rank: #2,304 of 4,213 U.S. banks by assets · #142 of 322 in Illinois. Assets changed 6.9% and deposits 7.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 11.87% |
| Net interest margin (YTD) | 3.58% |
| Equity to assets | 14.93% |
| Tier 1 leverage ratio | 16.10% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 53.2% |
| Real estate loans (share of loans) | 59.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $89.79M | 59.0% | |
| Commercial & industrial | $20.49M | 13.5% | |
| Consumer / individual | $3.05M | 2.0% | |
| Construction & development | $271.00K | 0.2% | |
| Agricultural | $38.51M | 25.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $336.61M | $297.93M | $1.43M | $38.50M |
| Jun 2023 | $309.91M | $268.29M | $2.54M | $40.99M |
| Jun 2024 | $314.78M | $269.34M | $2.70M | $44.46M |
| Jun 2025 | $315.41M | $266.96M | $2.79M | $47.51M |
| Jun 2026 | $337.13M | $285.87M | $2.97M | $50.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $285.87M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $285.87M.
Similar-sized banks
Bath State Bank ($337.56M) · Traditions First Bank ($336.57M)
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.
Advertisement