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First Trust and Savings Bank of Watseka, The

Watseka, IL · Cert 10831 · First Trust Holdings Inc. the

State charter, Fed member · FED · 2 branches

Q2 2026

$337.1MAssets
$153.8MLoans
$285.9MDeposits
$50.3MEquity
Loan mix
79%RE $93.5M18%C&I $21.4M3%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $258.1M10%Noninterest $27.7MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.61%Q2 ’254.62%Q2 ’260%0%

Non-interest income vs. expense

1.54%Q2 ’241.58%Q2 ’251.53%Q2 ’26+7%-1%

Executive Summary

  • Earnings: ROA of 1.90%, up 14 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 16.10%, down 31 bps from a year ago.
  • Funding: loans stand at 53.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.90%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-1 bps YoY

Efficiency Ratio (quarter, annualized)

41.09%-83 bps YoY

Tier 1 Leverage Ratio

16.10%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.78%1.73%1.69%1.90%+14 bps
Return on Equity11.66%11.63%11.11%11.06%12.72%+106 bps
Net Interest Margin3.39%3.49%3.51%3.39%3.38%-1 bps
Efficiency Ratio41.92%42.10%44.50%42.08%41.09%-83 bps
Non-Interest Burden1.20%1.25%1.31%1.24%1.19%-1 bps
Growth
Asset Growth (YoY)0.20%-2.93%-0.65%6.24%6.89%+669 bps
Loan Growth (YoY)-3.96%-1.27%-1.76%2.48%-4.33%-37 bps
Deposit Growth (YoY)-0.88%-4.44%-2.73%6.45%7.08%+797 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.03%0.03%0.03%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.02%-0.01%0.03%+2 bps
Allowance / Loans1.11%1.11%1.11%1.10%1.10%-1 bps
Allowance Coverage of NPLs34.4x37.4x39.2x37.1x37.7x+3.4x
Capital
Tier 1 Leverage Ratio16.41%16.40%16.26%16.20%16.10%-31 bps
Total Risk-Based Capital16.41%16.40%16.26%16.20%16.10%-31 bps
Equity / Assets15.06%15.58%15.61%14.93%14.93%-13 bps
Liquidity & Funding
Loans / Deposits60.22%63.26%63.15%56.31%53.80%-642 bps
Liquid Assets / Assets4.25%1.71%0.02%6.04%2.01%-224 bps
CRE / Total Capitaln/a30.08%32.04%32.05%n/an/a