First State Bank of Olmsted is a state-chartered bank headquartered in Olmsted, Illinois, in business for about 105 years. At the end of Q2 2026 it reported $78.4M in total assets and $68.4M in deposits, with 3 offices.
First State Bank of Olmsted has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 230th. Funding & liquidity contributes the most (81/100, 75% loans-to-deposits, 19% uninsured); loan quality contributes the least (30/100, 2.09%).
TellerScore · Q2 2026
Scorecard
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 fell 11 points (75 → 64), mostly because the loan quality component weakened by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 60 |
| Q4 2024 | 67 |
| Q1 2025 | 70 |
| Q2 2025 | 75 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 10.63% |
| Q4 2024 | 11.93% |
| Q1 2025 | 11.58% |
| Q2 2025 | 11.91% |
| Q3 2025 | 11.90% |
| Q4 2025 | 12.00% |
| Q1 2026 | 12.30% |
| Q2 2026 | 12.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.17% |
| Q2 2025 | 0.68% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.14% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.85% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $78.4M | 12.57% | 2.09% | 1.21% | 74.7% |
| Q1 2026 | 63 | $77.5M | 12.30% | 2.19% | 1.22% | 74.3% |
| Q4 2025 | 71 | $77.5M | 12.00% | 1.14% | 1.13% | 70.7% |
| Q3 2025 | 70 | $77.8M | 11.90% | 1.24% | 1.16% | 69.4% |
| Q2 2025 | 75 | $77.8M | 11.91% | 0.68% | 1.07% | 67.3% |
| Q1 2025 | 70 | $75.0M | 11.58% | 1.17% | 1.01% | 63.7% |
| Q4 2024 | 67 | $73.9M | 11.93% | 1.45% | 0.85% | 61.9% |
| Q3 2024 | 60 | $74.0M | 10.63% | 1.77% | 0.88% | 63.5% |
| Q2 2024 | 67 | $72.6M | 10.00% | 0.72% | 0.86% | 66.9% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| Washington State BankBank Washington, IL | 61 out of 100, Moderate | $79.1M | 9.1% | 1.03% | vs |
| Marseilles BankBank Marseilles, IL | 56 out of 100, Moderate | $77.6M | 8.3% | 1.02% | vs |
| Beardstown Savings s.b.Bank Beardstown, IL | 64 out of 100, Moderate | $79.5M | 10.5% | 1.15% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
Deposit insurance
Is my money safe at First State Bank of Olmsted?
Yes. First State Bank of Olmsted is an FDIC-insured institution (FDIC certificate #10437). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.0% of deposits ($13.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.87% (benchmark: 10%).
3 locations
Branches
First State Bank of Olmsted lists 2 offices in 2 cities. Most locations:
- Mounds, IL (1)
- Olmsted, IL (1)
Identity & history
Profile
- Legal name
- First State Bank of Olmsted
- Type
- State-chartered bank
- FDIC certificate #
- 10437
- RSSD ID
- 413347
- Primary regulator
- FDIC
- Holding company
- Fsbo Holdings Inc
- Established
- November 7, 1921
- Headquarters
- 185 N Front Street, Olmsted, IL 62970
- Employees
- 16
Quick answers
First State Bank of Olmsted: common questions
Is First State Bank of Olmsted FDIC insured?
Yes. First State Bank of Olmsted is an FDIC-insured institution (FDIC certificate #10437). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Olmsted's TellerScore?
64 out of 100 (Moderate), 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 Olmsted ever failed?
There is no failure record for FDIC certificate #10437 in the FDIC failed bank list.
How many branches does First State Bank of Olmsted have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Olmsted
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| River to River Credit UnionCredit union Vienna, IL | 97 out of 100, Very strong | $29.7M | 14.7% | 0.23% | vs |
| C-Plant Federal Credit UnionCredit union Paducah, KY | 92 out of 100, Very strong | $365.9M | 14.7% | 0.16% | vs |
| Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY | 90 out of 100, Very strong | $6.6M | 22.6% | 0.00% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| A.S.H. Employees Credit UnionCredit union Anna, IL | 85 out of 100, Very strong | $5.6M | 19.8% | 0.43% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |