FDIC Cert #11302 · Saint Peter, Illinois · Est. 1908

First State Bank of St. Peter - FDIC Bank Health Profile

A community-scale look at First State Bank of St. Peter's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$29M
Total assets
A
Health grade · Excellent
1.40%
Return on assets
43.6%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of St. Peter earns a PlainBankData health grade of A (92/100), with well-capitalized at 43.58% Tier 1, profitable at 1.40% ROA, efficient (54% cost ratio).

#4,240
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
43.58%
Tier 1 ratio - above the 10% well-capitalized line
69th
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 11302 · IL A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #737/4307
  • PHOTO-FINISH The Gunnison Bank an… · CO
  • TIER1-WELL 43.6% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: The Gunnison Bank and Trust Company, CO (±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 State Bank of St. Peter

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

Morgan Stanley Bank,… · UT ·…100/100Bonduel State Bank · WI · ne…92/100First State Bank of… · IL · …92/100Lake Central Bank · MN · near92/100The Gunnison Bank an… · CO ·…92/100Welcome State Bank · MN · ne…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of St. Peter · July 2026

Call Report read for First State Bank of St. Peter in a high-failure state

First State Bank of St. Peter (FDIC Cert #11302) carries a PlainBankData health grade of A at 92/100, 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 #737 of 4,307. Tier 1 capital prints at 43.58%, clearing the 10% well-capitalized line. The Texas Ratio is 0.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $29M, 4,240th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Gunnison Bank and Trust Company (CO), 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 State Bank of St. Peter

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

First State Bank of St. Peter 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 State Bank of St. Peter'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 State Bank of St. Peter's 92/100 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 avg77/10092/100
First State Bank of St. Peter's composite health score
Tier 1 Capital Ratio (43.58%) 40/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (0.88%) 20/20
Efficiency Ratio (54.03%) 12/15

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

Balance sheet at a glance

Total Assets

$29M

Total balance-sheet footings

Total Deposits

$23M

Customer-funded liabilities

Net Loans

$8M

Outstanding loan book

Net Income

$423K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 42.18% 43.58% 44.98%
Basel III capital ratios - First State Bank of St. Peter

Where First State Bank of St. Peter ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of St. Peter's score of 92/100 falls in the highlighted band.

First State Bank of St. Peter: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 17% higher than 83% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First State Bank of St. Peter 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 State Bank of St. Peter'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 St. Peter's $29M falls in the highlighted band.

Capital & credit buffers at First State Bank of St. Peter

Tier 1 capital ratio
Well-capitalized 10%

43.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
43.58%
Texas Ratio
0.88%
Equity Capital
$5M

What these ratios mean →

Earnings posture at First State Bank of St. Peter

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
8.22%
Efficiency Ratio
54.03%

What these mean →

Income & expense at First State Bank of St. Peter

$1M
Interest Income
$39K
Non-Interest Income
$610K
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 St. Peter reports a Texas Ratio of 0.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank of St. Peter 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 ($29M here), outside Illinois so the neighborhood is not state containment.

Bank of Vici $29M · OK Minnesota First Credit and Savings, I… $29M · MN The First National Bank of Fleming $30M · CO St. Martin National Bank $28M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of St. Peter (FDIC Cert #11302) - 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 State Bank of St. Peter 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%