First Trust and Savings Bank of Watseka, The
Watseka, IL · Cert 10831 · Peer group: banks under $1B in assets in IL (n=149-151) · First Trust Holdings Inc. the
State charter, Fed member · FED · 2 branches
Q2 2026
$337.1MAssets
$153.8MLoans
$285.9MDeposits
$50.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in IL (rank 3 of 151).
- Widest gap: net interest margin trails 58% of banks under $1B in assets in IL (rank 87 of 151).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.76%
Rank 9 of 151
Net Interest Margin
3.35%
Rank 87 of 151
Efficiency Ratio
41.58%
Rank 3 of 151
Equity / Assets
14.93%
Rank 18 of 151
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 99% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.70% | 1.03% | 1.34% | Beats 94% | 9 / 151 | | |
| Return on Equity | 11.81% | 6.74% | 9.34% | 12.94% | Beats 68% | 48 / 151 | | |
| Net Interest Margin | 3.35% | 3.02% | 3.43% | 3.83% | Beats 42% | 87 / 151 | | |
| Efficiency Ratio | 41.58% | 54.64% | 64.89% | 72.50% | Beats 99% | 3 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.20% | 0.66% | 1.77% | Beats 90% | 16 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 58% | 63 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 16.10% | 11.83% | 14.17% | 18.66% | Beats 66% | 52 / 151 | | |
| Total Risk-Based Capital Ratio | 16.10% | 12.22% | 14.54% | 19.92% | Beats 60% | 61 / 151 | | |
| Equity / Assets | 14.93% | 9.10% | 10.65% | 12.40% | Beats 88% | 18 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.80% | 54.39% | 71.02% | 80.75% | 24th pctl | 113 / 149 | | |
| Loans / Assets | 45.62% | 45.91% | 61.31% | 68.01% | 23rd pctl | 117 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |