The First Trust and Savings Bank of Watseka, Illinois (FDIC certificate #10831) is based in Watseka, Illinois. Its Q2 2026 call report shows $337.1M in total assets and $285.9M in deposits and 2 offices.
The First Trust and Savings Bank of Watseka, Illinois has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 2nd. Capital cushion contributes the most (100/100, 16.10%); funding & liquidity contributes the least (86/100, 53% loans-to-deposits, 27% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (96 → 96).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 95 |
| Q3 2024 | 94 |
| Q4 2024 | 94 |
| Q1 2025 | 96 |
| Q2 2025 | 96 |
| Q3 2025 | 95 |
| Q4 2025 | 96 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.62% |
| Q3 2024 | 15.38% |
| Q4 2024 | 14.95% |
| Q1 2025 | 15.63% |
| Q2 2025 | 16.41% |
| Q3 2025 | 16.40% |
| Q4 2025 | 16.26% |
| Q1 2026 | 16.20% |
| Q2 2026 | 16.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.70% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.76% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $337.1M | 16.10% | 0.03% | 1.80% | 53.2% |
| Q1 2026 | 96 | $333.4M | 16.20% | 0.03% | 1.69% | 55.7% |
| Q4 2025 | 96 | $321.3M | 16.26% | 0.03% | 1.75% | 62.4% |
| Q3 2025 | 95 | $316.0M | 16.40% | 0.03% | 1.76% | 62.6% |
| Q2 2025 | 96 | $315.4M | 16.41% | 0.03% | 1.76% | 59.5% |
| Q1 2025 | 96 | $313.8M | 15.63% | 0.03% | 1.77% | 57.9% |
| Q4 2024 | 94 | $323.4M | 14.95% | 0.03% | 1.70% | 61.8% |
| Q3 2024 | 94 | $325.5M | 15.38% | 0.03% | 1.71% | 60.5% |
| Q2 2024 | 95 | $314.8M | 15.62% | 0.05% | 1.74% | 61.5% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| The Havana National BankBank Havana, IL | 55 out of 100, Moderate | $332.8M | 12.2% | 2.69% | vs |
| Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL | 53 out of 100, Below average | $342.4M | 9.5% | 2.52% | vs |
| The Harvard State BankBank Harvard, IL | 70 out of 100, Strong | $331.5M | 8.8% | 0.26% | vs |
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
Deposit insurance
Is my money safe at The First Trust and Savings Bank of Watseka, Illinois?
Yes. The First Trust and Savings Bank of Watseka, Illinois is an FDIC-insured institution (FDIC certificate #10831). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($78.3M) 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 16.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The First Trust and Savings Bank of Watseka, Illinois lists 2 offices in 2 cities. Most locations:
- Clifton, IL (1)
- Watseka, IL (1)
Identity & history
Profile
- Legal name
- The First Trust and Savings Bank of Watseka, Illinois
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 10831
- RSSD ID
- 193649
- Primary regulator
- FED
- Holding company
- First Trust Holdings Inc the
- Established
- June 28, 1909
- Headquarters
- 120 E Walnut St, Watseka, IL 60970
- Website
- www.ftsbank.com
- Employees
- 33
Quick answers
The First Trust and Savings Bank of Watseka, Illinois: common questions
Is The First Trust and Savings Bank of Watseka, Illinois FDIC insured?
Yes. The First Trust and Savings Bank of Watseka, Illinois is an FDIC-insured institution (FDIC certificate #10831). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Trust and Savings Bank of Watseka, Illinois's TellerScore?
96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First Trust and Savings Bank of Watseka, Illinois ever failed?
There is no failure record for FDIC certificate #10831 in the FDIC failed bank list.
How many branches does The First Trust and Savings Bank of Watseka, Illinois have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Watseka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| Servbank, National AssociationBank Oswego, IL | 76 out of 100, Strong | $1.7B | 11.8% | 0.59% | vs |
| Kentland BankBank Kentland, IN | 75 out of 100, Strong | $419.4M | 12.5% | 0.56% | vs |
| First Trust Bank of IllinoisBank Kankakee, IL | 71 out of 100, Strong | $406.3M | 10.3% | 0.71% | vs |
| Federated BankBank Onarga, IL | 69 out of 100, Moderate | $140.1M | 8.9% | 0.20% | vs |