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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 $3.0MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $258.1M10%Noninterest $27.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.80%, up 4 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (YTD, annualized)

1.80%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-1 bps YoY

Efficiency Ratio (YTD, annualized)

41.58%-58 bps YoY

Tier 1 Leverage Ratio

16.10%-31 bps YoY

NIM

4.41%Q2 ’244.62%Q2 ’254.54%Q2 ’26+0%0%

Non-interest income vs. expense

1.51%Q2 ’241.57%Q2 ’251.53%Q2 ’26+8%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.70%1.77%1.76%1.76%1.75%1.69%1.80%+4 bps
Return on Equity12.01%11.93%12.08%11.88%11.77%11.61%11.06%11.87%-1 bps
Net Interest Margin3.29%3.17%3.21%3.36%3.37%3.35%3.39%3.35%-1 bps
Efficiency Ratio40.33%41.16%42.41%42.16%42.14%42.77%42.08%41.58%-58 bps
Non-Interest Burden1.10%1.08%1.17%1.21%1.21%1.22%1.24%1.20%-1 bps
Growth
Asset Growth (YoY)3.53%3.31%2.63%0.20%-2.93%-0.65%6.24%6.89%+669 bps
Loan Growth (YoY)12.89%6.63%-0.83%-3.96%-1.27%-1.76%2.48%-4.33%-37 bps
Deposit Growth (YoY)1.99%2.96%2.06%-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%0.03%0.03%0.03%0 bps
Net Charge-Offs / Loans0.04%0.03%-0.14%-0.07%-0.05%-0.04%-0.01%0.01%+8 bps
Allowance / Loans1.12%1.13%1.09%1.11%1.11%1.11%1.10%1.10%-1 bps
Allowance Coverage of NPLs33.5x35.4x31.8x34.4x37.4x39.2x37.1x37.7x+3.4x
Capital
Tier 1 Leverage Ratio15.38%14.95%15.63%16.41%16.40%16.26%16.20%16.10%-31 bps
Total Risk-Based Capital15.38%14.95%15.63%16.41%16.40%16.26%16.20%16.10%-31 bps
Equity / Assets14.24%14.27%15.04%15.06%15.58%15.61%14.93%14.93%-13 bps
Liquidity & Funding
Loans / Deposits61.23%62.52%58.49%60.22%63.26%63.15%56.31%53.80%-642 bps
Liquid Assets / Assets11.02%7.85%8.20%4.25%1.71%0.02%6.04%2.01%-224 bps
CRE / Total Capitaln/an/an/an/a30.08%32.04%32.05%n/an/a