TellerScore

First State Bank of Forrest is a state-chartered bank headquartered in Forrest, Illinois, in business for about 112 years. At the end of Q2 2026 it reported $328.3M in total assets and $280.3M in deposits, with 6 offices.

First State Bank of Forrest has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 297th. Problem-loan coverage contributes the most (68/100, 15.9%); loan quality contributes the least (39/100, 1.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality39/100
Noncurrent loans ÷ total loans: 1.83%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 97.6% · 12.2% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.89%

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 (48 → 49).

TellerScore
444851Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202446
Q4 202448
Q1 202544
Q2 202548
Q3 202548
Q4 202551
Q1 202647
Q2 202649
Tier 1 leverage ratio
5.00%7.03%9.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.80%
Q3 20248.72%
Q4 20248.85%
Q1 20258.79%
Q2 20258.77%
Q3 20258.72%
Q4 20258.97%
Q1 20268.96%
Q2 20269.06%
Noncurrent loans
1.55%1.75%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.77%
Q3 20241.61%
Q4 20241.55%
Q1 20251.91%
Q2 20251.68%
Q3 20251.84%
Q4 20251.72%
Q1 20261.95%
Q2 20261.83%
Return on assets
0.48%0.79%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.48%
Q4 20240.59%
Q1 20250.55%
Q2 20250.84%
Q3 20250.95%
Q4 20251.11%
Q1 20260.85%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$328.3M9.06%1.83%0.81%97.6%
Q1 202647$329.5M8.96%1.95%0.85%98.8%
Q4 202551$329.3M8.97%1.72%1.11%101.5%
Q3 202548$324.9M8.72%1.84%0.95%103.4%
Q2 202548$318.8M8.77%1.68%0.84%103.9%
Q1 202544$307.7M8.79%1.91%0.55%102.3%
Q4 202448$304.6M8.85%1.55%0.59%102.1%
Q3 202446$299.9M8.72%1.61%0.48%102.8%
Q2 202445$298.2M8.80%1.77%0.51%102.2%

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 ratio9.06%
13th
Total risk-based capital12.91%
56th
Problem loans1.83%
14th
Net charge-offs0.45%
6th
Return on assets0.81%
24th
Net interest margin3.68%
36th
Efficiency ratio65.3%
41st
Loans to deposits97.6%
13th
Uninsured deposits12.2%
89th
Loan-loss reserves0.94%
20th
Texas ratio15.9%
9th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Harvard State BankBank Harvard, IL70 out of 100, Strong$331.5M8.8%0.26%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs
The Havana National BankBank Havana, IL55 out of 100, Moderate$332.8M12.2%2.69%vs
Forest Park National Bank and Trust CompanyBank Forest Park, IL39 out of 100, Low$322.4M8.3%2.48%vs
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
1NB BankBank Carlyle, IL74 out of 100, Strong$319.0M10.3%0.07%vs

Deposit insurance

Is my money safe at First State Bank of Forrest?

Yes. First State Bank of Forrest is an FDIC-insured institution (FDIC certificate #11669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.2% of deposits ($34.2M) 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 9.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.91% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First State Bank of Forrest lists 6 offices in 6 cities. Most locations:

  • Erie, IL (1)
  • Fairbury, IL (1)
  • Forrest, IL (1)
  • Mahomet, IL (1)
  • Onarga, IL (1)
  • Peoria Heights, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank of Forrest reported 307 home-loan applications under HMDA (LEI 549300DNRGCN05KNA737): 267 originated ($36,935,000 total), 18 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, 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 of Forrest
Type
State-chartered bank
FDIC certificate #
11669
RSSD ID
980438
Primary regulator
FDIC
Holding company
Forrest Bancshares Inc
Established
January 1, 1914
Headquarters
133 E Krack St, Forrest, IL 61741
Employees
54

Quick answers

First State Bank of Forrest: common questions

Is First State Bank of Forrest FDIC insured?

Yes. First State Bank of Forrest is an FDIC-insured institution (FDIC certificate #11669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Forrest's TellerScore?

49 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 State Bank of Forrest ever failed?

There is no failure record for FDIC certificate #11669 in the FDIC failed bank list.

How many branches does First State Bank of Forrest have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Forrest

InstitutionScoreAssetsCapitalProblem loansCompare
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
Campus State BankBank Campus, IL87 out of 100, Very strong$26.2M12.3%0.00%vs
Anchor State BankBank Anchor, IL84 out of 100, Strong$73.5M12.6%0.00%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
Peoples State Bank of ColfaxBank Colfax, IL84 out of 100, Strong$49.5M11.7%0.00%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%0.00%vs