Headquartered in Saint Peter, Illinois, First State Bank of St. Peter is a state-chartered bank (fed member) with $30.1M in total assets and $24.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1908.
First State Bank of St. Peter has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 73% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 51st. Capital cushion contributes the most (100/100, 18.52%); loan quality contributes the least (43/100, 1.71%).
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 3 points (86 → 83), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 92 |
| Q4 2024 | 92 |
| Q1 2025 | 81 |
| Q2 2025 | 86 |
| Q3 2025 | 92 |
| Q4 2025 | 90 |
| Q1 2026 | 92 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.35% |
| Q3 2024 | 17.95% |
| Q4 2024 | 17.87% |
| Q1 2025 | 17.68% |
| Q2 2025 | 17.55% |
| Q3 2025 | 18.15% |
| Q4 2025 | 18.22% |
| Q1 2026 | 18.57% |
| Q2 2026 | 18.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.28% |
| Q1 2025 | 1.61% |
| Q2 2025 | 1.15% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.62% |
| Q2 2026 | 1.71% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $30.1M | 18.52% | 1.71% | 1.71% | 30.8% |
| Q1 2026 | 92 | $30.3M | 18.57% | 0.62% | 1.65% | 30.5% |
| Q4 2025 | 90 | $29.3M | 18.22% | 0.57% | 1.40% | 35.1% |
| Q3 2025 | 92 | $30.9M | 18.15% | 0.38% | 1.43% | 33.0% |
| Q2 2025 | 86 | $30.9M | 17.55% | 1.15% | 1.44% | 31.5% |
| Q1 2025 | 81 | $31.5M | 17.68% | 1.61% | 1.41% | 29.7% |
| Q4 2024 | 92 | $28.7M | 17.87% | 0.28% | 1.26% | 35.4% |
| Q3 2024 | 92 | $29.5M | 17.95% | 0.21% | 1.26% | 36.9% |
| Q2 2024 | 92 | $30.0M | 17.35% | 0.18% | 1.25% | 35.4% |
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 |
|---|---|---|---|---|---|
| Dewey BankBank Dewey, IL | 79 out of 100, Strong | $30.3M | 10.6% | 0.06% | vs |
| Vermont State BankBank Vermont, IL | 73 out of 100, Strong | $31.0M | 28.2% | 5.08% | vs |
| Citizens Bank of EdinburgBank Edinburg, IL | 79 out of 100, Strong | $29.0M | 11.9% | 0.00% | vs |
| Milford Building and Loan AssociationBank Milford, IL | 51 out of 100, Below average | $28.1M | 12.3% | 2.55% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
| The First State Bank of DongolaBank Dongola, IL | 73 out of 100, Strong | $34.7M | 9.8% | 0.26% | vs |
Deposit insurance
Is my money safe at First State Bank of St. Peter?
Yes. First State Bank of St. Peter is an FDIC-insured institution (FDIC certificate #11302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 3.5% of deposits ($865K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 46.83% (benchmark: 10%).
1 location
Branches
First State Bank of St. Peter lists 1 office in 1 city. Most locations:
- Saint Peter, IL (1)
Identity & history
Profile
- Legal name
- First State Bank of St. Peter
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11302
- RSSD ID
- 426141
- Primary regulator
- FED
- Holding company
- St Peter Bancshares Inc
- Established
- April 25, 1908
- Headquarters
- 200 E 3rd St, Saint Peter, IL 62880
- Website
- www.fsbstpeter.com
- Employees
- 4
Quick answers
First State Bank of St. Peter: common questions
Is First State Bank of St. Peter FDIC insured?
Yes. First State Bank of St. Peter is an FDIC-insured institution (FDIC certificate #11302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of St. Peter's TellerScore?
83 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 of St. Peter ever failed?
There is no failure record for FDIC certificate #11302 in the FDIC failed bank list.
How many branches does First State Bank of St. Peter have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Peter
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| Salem School System Credit UnionCredit union Salem, IL | 87 out of 100, Very strong | $2.2M | 30.9% | 0.00% | vs |
| First Community Bank, Xenia-FloraBank Xenia, IL | 86 out of 100, Very strong | $55.5M | 12.0% | 0.22% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |