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 First State Bank and Trust
First State Bank and Trust
| RSSD ID 899642 | CERTIFICATE 16332 | ABA NUMBER 71121963 |
| 201 W Main St |
Quarter Ended : |
2025-12-31 |
| Monticello, Illinois, 61856 |
Updated : |
2026-01-30 |
| Institution Profile |
| Year Opened : |
1945 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Other Specialized Under 1 Billion |
| Number of Offices : |
10 |
Number of Employees : |
110 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 502,762 |
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Total Interest Income | 22,950 |
| Total Liabilities | 459,118 |
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Total NonInterest Income | 4,307 |
| Total Bank Equity Capital | 43,644 |
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Total Interest Expense | 4,033 |
| Total Deposits | 455,658 |
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Total NonInterest Expense | 14,011 |
| Net Loans & Leases | 201,056 |
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Net Income | 8,989 |
| Loan Loss Allowance | 2,366 |
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Net Charge Offs | 32 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 48,295 |
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Total loans | 192,626 |
| Total assets for the leverage ratio | 513,159 |
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Loans secured by real estate: | 157,112 |
| Tier 1 Leverage Ratio | 8.94 |
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Commercial and industrial loans | 8,853 |
| Tier 1 Capital Ratio | 21.78 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 22.92 |
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Loans to individuals - Other | 4,499 |
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:· First State Bank and Trust
