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FIRST STATE BANK AND TRUST

MONTICELLO, IL · Supervised by FDIC

Est. 1945FDIC #16,332RSSD: FDIC-16332
Satisfactory

Current rating · Exam: February 2026

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Institution Profile

FDIC BankFind

Address

201 W Main St, MONTICELLO, IL

County

Piatt County

Established

November 10, 1945

Total Assets

$507M(latest call report)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$507M

Total Deposits

$459M

Net Loans

$197M

Net Income

$2M

ROA

1.64%

ROE

19.07%

Risk-Based Capital

22.98%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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