Total Assets
$329M
Total balance-sheet footings
FDIC Cert #11669 · Forrest, Illinois · Est. 1914
First State Bank of Forrest - FDIC Bank Health Profile
A community-scale look at First State Bank of Forrest's own numbers, pulled straight from its quarterly FDIC Call Report.
- $329M
- Total assets
- B
- Health grade · Good
- 1.11%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of Forrest earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.17% Tier 1, profitable at 1.11% ROA, 66% efficiency ratio.
- #2,359
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 11.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- 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.
How First State Bank of Forrest's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of Forrest's composite health score
Tier 1 Capital Ratio (11.17%) 28/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (15.34%) 10/20
Efficiency Ratio (66.44%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$277M
Customer-funded liabilities
Net Loans
$281M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of Forrest ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Forrest's score of 66/100 falls in the highlighted band.
First State Bank of Forrest'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 State Bank of Forrest's $329M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.17%
Texas Ratio
15.34%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.11%
Return on Equity (ROE)
12.87%
Efficiency Ratio
66.44%
What the numbers say about First State Bank of Forrest
First State Bank of Forrest is an FDIC-insured institution (Certificate #11669) headquartered in Forrest, Illinois, established in 1914. It holds $329M in total assets - 2,359th of 4,313 FDIC-insured banks, $277M in customer deposits, and $281M in net loans. Looking at capital strength, Tier 1 stands at 11.17%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.34%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First State Bank of Forrest ranks 142nd of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Forrest reports a Texas Ratio of 15.34% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Forrest (FDIC Cert #11669) - 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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First State Bank of Forrest's health grade?▼
First State Bank of Forrest receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First State Bank of Forrest?▼
First State Bank of Forrest holds $329M in total assets and $277M in deposits, ranking 2,359th of 4,313 FDIC-insured banks by asset size. It is headquartered in Forrest, Illinois.
Is my money safe at First State Bank of Forrest?▼
Yes, deposits at First State Bank of Forrest (Certificate #11669) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of Forrest's Tier 1 Capital Ratio?▼
First State Bank of Forrest has a Tier 1 Capital Ratio of 11.17%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank of Forrest?▼
First State Bank of Forrest has a Texas Ratio of 15.34%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank of Forrest?▼
First State Bank of Forrest has an Efficiency Ratio of 66.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of Forrest's profile as a depositor or analyst.
- First State Bank of Forrest's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of Forrest against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.