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First State Bank and Trust

$100M-$1B Specialty: Other IL FDIC cert 16332

Monticello, IL

10 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -1.4% year over year ($464.3M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.65%.
  • Efficiency ratio 64.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 42.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First State Bank and Trust has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 46.8% in tier
  • + ROA 0.32% above tier average
  • + Efficiency Ratio 0.40% below tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 57.6% in tier
  • - Net Interest Margin 0.10% below tier average
Get updates when First State Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $509.6M
-0.8% YoY +0.5% QoQ
+$123.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $198.3M
+7.9% YoY +0.5% QoQ
-$60.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $464.3M
-1.4% YoY +1.0% QoQ
+$137.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.65%
-9.9% YoY +0.0% QoQ
+0.32% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.89%
-1.5% YoY +0.6% QoQ
-0.10% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 64.08%
+7.8% YoY +0.9% QoQ
-0.40% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.44%
-1.0% YoY +11.7% QoQ
-0.48% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 42.72%
+9.4% YoY -0.6% QoQ
-35.24% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 5.2% in tier
Non-Interest-Bearing Deposit Share ? 29.73%
+3.0% YoY -5.7% QoQ
+7.70% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.17%
+7.8% YoY +11.6% QoQ
-0.50% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 22.37%
-0.8% YoY +2.4% QoQ
+6.46% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 9.8% in tier
Non-Interest Income / Assets ? 0.44%
+8.7% YoY +108.3% QoQ
-0.13% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 11.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 29.7%
+0.9pp YoY
-1.8pp QoQ
 +7.6pp 22.1% 20.1% 22.2% 81%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 3.5%
-1.7pp YoY
-0.6pp QoQ
 -8.1pp 11.6% 14.7% 12.5% 12%
CRE 35.9%
+2.8pp YoY
+0.1pp QoQ
 -3.7pp 39.5% 37.9% 41.4% 45%
1-4 Family 43.0%
+1.9pp YoY
+0.6pp QoQ
 +10.4pp 32.6% 28.3% 31.3% 74%
Consumer 1.8%
-0.6pp YoY
-0.2pp QoQ
 -2.4pp 4.1% 5.4% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 22.4%
-0.2pp YoY
+0.5pp QoQ
 +3.5pp 18.8% 19.9% 19.7% 84%
Leverage Ratio 9.2%
+0.5pp YoY
+0.1pp QoQ
 -2.9pp 12.2% 12.2% 12.6% 16%
Total Capital Ratio 23.5%
-0.1pp YoY
+0.5pp QoQ
 +3.6pp 19.9% 20.9% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 102
+4 (+4.1%) YoY
-3 (-2.9%) QoQ
 +43 58 228 482 88%
Assets per Employee ($) $5.0M
-4.7% YoY
+3.5% QoQ
 -$2.5M $7.5M $8.3M $8.8M 15%
Branch Count 10
0 YoY
0 QoQ
 +5 4 10 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 48%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 43%
Allowance Coverage 2.70x
+2.4% YoY
-11.2% QoQ
 -21.46x 24.15x 5.62x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.1% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 19.2%
-4.6pp YoY
+0.1pp QoQ
 +7.0pp 12.2% 10.5% 11.6% 86%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $4.2M
-8.7% YoY
— QoQ
 +$1.6M $2.6M $11.7M $40.4M 82%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#310 of 661 • Top 46.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.44%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.65%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Margin Compression

decline
#178 of 307 • Bottom 57.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.65%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

138
Loan-to-Deposit Ratio
liquidity
Value: 42.72%
Peer Median: 77.95%
#138 of 2643 Top 5.2% in $100M-$1B
260
Tier 1 Capital Ratio
capital
Value: 22.37%
Peer Median: 15.91%
#260 of 2643 Top 9.8% in $100M-$1B
312
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#312 of 2643 Top 11.8% in $100M-$1B
498
Non-Interest-Bearing Deposit Share
funding
Value: 29.73%
Peer Median: 22.03%
#498 of 2643 Top 18.8% in $100M-$1B
625
Total Deposits
size
Value: $464.28M
Peer Median: $326.73M
#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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