🏦Bank Scorer

FIRST STATE BANK AND TRUST

MONTICELLO, IL · Supervised by FDIC

Est. 1945FDIC #16,332RSSD: FDIC-16332
Part ofFIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.64%

Institution Profile

FDIC BankFind

Address

201 W Main St, MONTICELLO, IL

County

Piatt County

Established

November 10, 1945

Total Assets

$507M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

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%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.76%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$471M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202453974.4%10.76%
202342675.82%10.09%
202235872.63%6.98%
202170776.8%7.21%
202083270.67%11.18%
201946473.49%9.91%
201832570.77%11.08%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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