FDIC Cert #30969 · Mascoutah, Illinois · Est. 1913

First FSB of Mascoutah - FDIC Bank Health Profile

A community-scale look at First FSB of Mascoutah's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$199M
Total assets
B
Health grade · Good
0.80%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

First FSB of Mascoutah earns a PlainBankData health grade of B (76/100), with well-capitalized at 15.91% Tier 1, 0.80% ROA, efficient (59% cost ratio).

#3,015
largest of 4,313 FDIC banks by assets
30th
percentile by asset size, nationally
15.91%
Tier 1 ratio - above the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30969 · IL B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2511/4307
  • PHOTO-FINISH First Federal Saving… · IN
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-HEALTHY 16.3% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: First Federal Savings Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First FSB of Mascoutah

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Saving… · IN ·…76/100First FSB of Mascoutah · IL …76/100Golden Belt Bank, FSA · KS ·…76/100Heritage Bank, Inc. · KY · n…76/100Northwest Bank · IA · near76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First FSB of Mascoutah · July 2026

Call Report read for First FSB of Mascoutah in a high-failure state

First FSB of Mascoutah (FDIC Cert #30969) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,511 of 4,307. Tier 1 capital prints at 15.91%, clearing the 10% well-capitalized line. The Texas Ratio is 16.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $199M, 3,015th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Savings Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First FSB of Mascoutah

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

First FSB of Mascoutah sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about First FSB of Mascoutah's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How First FSB of Mascoutah's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
First FSB of Mascoutah's composite health score
Tier 1 Capital Ratio (15.91%) 40/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (16.33%) 10/20
Efficiency Ratio (58.85%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$199M

Total balance-sheet footings

Total Deposits

$179M

Customer-funded liabilities

Net Loans

$151M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.51% 15.91% 17.31%
Basel III capital ratios - First FSB of Mascoutah

Where First FSB of Mascoutah ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First FSB of Mascoutah's score of 76/100 falls in the highlighted band.

First FSB of Mascoutah: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 42nd percentile higher than 42% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First FSB of Mascoutah 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First FSB of Mascoutah's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First FSB of Mascoutah's $199M falls in the highlighted band.

Capital & credit buffers at First FSB of Mascoutah

Tier 1 capital ratio
Well-capitalized 10%

15.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.91%
Texas Ratio
16.33%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: First FSB of Mascoutah

Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
8.51%
Efficiency Ratio
58.85%

What these mean →

Income & expense at First FSB of Mascoutah

$10M
Interest Income
$287K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First FSB of Mascoutah reports a Texas Ratio of 16.33% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First FSB of Mascoutah on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($199M here), outside Illinois so the neighborhood is not state containment.

First Cahawba Bank $199M · AL Citizens State Bank $199M · IA Mountain Valley Bank $199M · WV Lyons Federal Bank $199M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First FSB of Mascoutah (FDIC Cert #30969) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First FSB of Mascoutah Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%