TellerScore

Headquartered in Monticello, Illinois, First State Bank and Trust is a state-chartered bank with $509.6M in total assets and $464.3M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1945.

First State Bank and Trust has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 129th. Problem-loan coverage contributes the most (96/100, 1.9%); capital cushion contributes the least (42/100, 9.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.25%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 42.7% · 29.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.92%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).

TellerScore
737474Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202573
Q2 202573
Q3 202574
Q4 202573
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%7.12%9.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.76%
Q3 20248.80%
Q4 20248.91%
Q1 20258.94%
Q2 20258.70%
Q3 20258.78%
Q4 20258.94%
Q1 20269.11%
Q2 20269.25%
Noncurrent loans
0.39%0.49%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.55%
Q4 20240.58%
Q1 20250.53%
Q2 20250.44%
Q3 20250.40%
Q4 20250.50%
Q1 20260.39%
Q2 20260.44%
Return on assets
1.64%1.79%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.92%
Q4 20241.92%
Q1 20251.76%
Q2 20251.83%
Q3 20251.83%
Q4 20251.79%
Q1 20261.64%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$509.6M9.25%0.44%1.65%42.7%
Q1 202674$507.0M9.11%0.39%1.64%43.0%
Q4 202573$502.8M8.94%0.50%1.79%44.1%
Q3 202574$511.4M8.78%0.40%1.83%39.8%
Q2 202573$514.0M8.70%0.44%1.83%39.0%
Q1 202573$508.2M8.94%0.53%1.76%39.2%
Q4 202474$477.6M8.91%0.58%1.92%44.1%
Q3 202474$481.4M8.80%0.55%1.92%42.6%
Q2 202474$483.4M8.76%0.56%1.94%41.9%

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 ratio9.25%
16th
Total risk-based capital23.51%
92nd
Problem loans0.44%
49th
Net charge-offs0.01%
49th
Return on assets1.65%
73rd
Net interest margin3.89%
48th
Efficiency ratio64.1%
45th
Loans to deposits42.7%
95th
Uninsured deposits29.2%
31st
Loan-loss reserves1.17%
48th
Texas ratio1.9%
59th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Robinson Savings Bank, National AssociationBank Robinson, IL57 out of 100, Moderate$512.1M8.7%1.37%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs
The FNB Community BankBank Vandalia, IL76 out of 100, Strong$498.9M12.6%0.78%vs
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs

Deposit insurance

Is my money safe at First State Bank and Trust?

Yes. First State Bank and Trust is an FDIC-insured institution (FDIC certificate #16332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($135.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.51% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First State Bank and Trust lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank and Trust reported 188 home-loan applications under HMDA (LEI 254900N4XMPM37K77D58): 164 originated ($38,490,000 total), 11 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, 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 State Bank and Trust
Former names
First State Bank; First State Bank of Monticello
Type
State-chartered bank
FDIC certificate #
16332
RSSD ID
899642
Primary regulator
FDIC
Holding company
First St Bcorp Monticello Employee Stk Ownership Plan
Established
November 10, 1945
Headquarters
201 W Main St, Monticello, IL 61856
Employees
102

Quick answers

First State Bank and Trust: common questions

Is First State Bank and Trust FDIC insured?

Yes. First State Bank and Trust is an FDIC-insured institution (FDIC certificate #16332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank and Trust's TellerScore?

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

Has First State Bank and Trust ever failed?

There is no failure record for FDIC certificate #16332 in the FDIC failed bank list.

How many branches does First State Bank and Trust have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Monticello

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs