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First State Bank and Trust

Monticello, IL · Cert 16332 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Bcorp Monticello Employee STK Ownership Plan

State charter, non-member · FDIC · 8 branches

Q2 2026

$509.6MAssets
$200.7MLoans
$464.3MDeposits
$43.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating in a single state (rank 90 of 746).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 604 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.28%

Rank 251 of 746

Net Interest Margin

3.68%

Rank 374 of 746

Efficiency Ratio

64.08%

Rank 361 of 746

Equity / Assets

8.46%

Rank 604 of 746

Non-interest income vs. expense

$4.5M$14.9MINCOMEEXPENSE
Unfavorable gap of $10.4M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 64.08%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.72%1.06%1.45%Beats 66%251 / 746
Return on Equity15.18%6.74%10.51%13.63%Beats 84%119 / 746
Net Interest Margin3.68%3.17%3.68%4.16%Beats 50%374 / 746
Efficiency Ratio64.08%55.74%64.58%75.47%Beats 52%361 / 746
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.42%1.07%Beats 50%377 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 60%299 / 743
Capital
Tier 1 Capital Ratio22.37%11.55%13.75%17.60%Beats 88%90 / 746
Total Risk-Based Capital Ratio23.51%11.71%14.33%18.43%Beats 88%88 / 746
Equity / Assets8.46%8.90%10.51%13.06%Beats 19%604 / 746
Liquidity & Funding
Loans / Deposits43.22%61.31%78.27%90.78%7th pctl695 / 746
Loans / Assets39.38%53.60%66.97%76.08%9th pctl680 / 746
Brokered Deposits / Depositsn/aNot reported for this institution