TellerScore

First FSB of Mascoutah is a state-chartered bank (fed member) headquartered in Mascoutah, Illinois, in business for about 113 years. At the end of Q2 2026 it reported $207.3M in total assets and $185.3M in deposits, with 3 offices.

First FSB of Mascoutah has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 286th. Funding & liquidity contributes the most (73/100, 87% loans-to-deposits, 11% uninsured); loan quality contributes the least (29/100, 2.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.46%
Loan quality29/100
Noncurrent loans ÷ total loans: 2.12%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 87.3% · 10.8% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.87%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (49 → 52), mostly because the loan quality component improved by 5 points.

TellerScore
495765Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202462
Q1 202565
Q2 202549
Q3 202549
Q4 202551
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%7.77%10.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.33%
Q3 202410.53%
Q4 202410.20%
Q1 202510.12%
Q2 202510.17%
Q3 202510.34%
Q4 202510.53%
Q1 202610.46%
Q2 202610.46%
Noncurrent loans
0.60%1.45%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.60%
Q4 20240.78%
Q1 20250.67%
Q2 20252.29%
Q3 20252.30%
Q4 20252.25%
Q1 20262.19%
Q2 20262.12%
Return on assets
0.51%0.68%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.55%
Q4 20240.62%
Q1 20250.83%
Q2 20250.77%
Q3 20250.79%
Q4 20250.80%
Q1 20260.82%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$207.3M10.46%2.12%0.85%87.3%
Q1 202652$202.9M10.46%2.19%0.82%85.8%
Q4 202551$198.9M10.53%2.25%0.80%84.5%
Q3 202549$194.1M10.34%2.30%0.79%88.1%
Q2 202549$196.0M10.17%2.29%0.77%86.4%
Q1 202565$191.6M10.12%0.67%0.83%86.8%
Q4 202462$193.1M10.20%0.78%0.62%92.2%
Q3 202465$182.8M10.53%0.60%0.55%87.9%
Q2 202464$177.7M10.33%0.63%0.51%83.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.46%
40th
Total risk-based capital16.49%
76th
Problem loans2.12%
11th
Net charge-offs0.00%
68th
Return on assets0.85%
26th
Net interest margin2.90%
8th
Efficiency ratio58.2%
62nd
Loans to deposits87.3%
32nd
Uninsured deposits10.8%
92nd
Loan-loss reserves0.99%
25th
Texas ratio15.9%
9th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
FWBankBank Chicago, IL75 out of 100, Strong$206.7M12.5%0.12%vs
Murphy-Wall State Bank and Trust CompanyBank Pinckneyville, IL60 out of 100, Moderate$206.1M11.0%1.67%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
The Farmers State Bank and Trust CompanyBank Jacksonville, IL66 out of 100, Moderate$210.1M13.8%2.22%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs

Deposit insurance

Is my money safe at First FSB of Mascoutah?

Yes. First FSB of Mascoutah is an FDIC-insured institution (FDIC certificate #30969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.8% of deposits ($20.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.49% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First FSB of Mascoutah lists 3 offices in 3 cities. Most locations:

  • Lebanon, IL (1)
  • Mascoutah, IL (1)
  • New Baden, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First FSB of Mascoutah reported 71 home-loan applications under HMDA (LEI 254900FTCNECUOWATD22): 64 originated ($16,040,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First FSB of Mascoutah
Former names
First Federal Savings Bank of Mascoutah, Illinois; First Federal Savings and Loan Association of Mascoutah
Type
State-chartered bank (Fed member)
FDIC certificate #
30969
RSSD ID
966272
Primary regulator
FED
Established
January 1, 1913
Headquarters
101 W Main St, Mascoutah, IL 62258
Employees
19

Quick answers

First FSB of Mascoutah: common questions

Is First FSB of Mascoutah FDIC insured?

Yes. First FSB of Mascoutah is an FDIC-insured institution (FDIC certificate #30969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First FSB of Mascoutah's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First FSB of Mascoutah ever failed?

There is no failure record for FDIC certificate #30969 in the FDIC failed bank list.

How many branches does First FSB of Mascoutah have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mascoutah

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
The Old Exchange National Bank of OkawvilleBank Okawville, IL80 out of 100, Strong$91.3M11.1%0.19%vs