Total Assets
$321M
Total balance-sheet footings
FDIC Cert #10831 · Watseka, Illinois · Est. 1909
The First Trust and Savings Bank of Watseka, Illinois - FDIC Bank Health Profile
A community-scale look at The First Trust and Savings Bank of Watseka, Illinois's own numbers, pulled straight from its quarterly FDIC Call Report.
- $321M
- Total assets
- A
- Health grade · Excellent
- 1.75%
- Return on assets
- 16.3%
- Tier 1 capital
Data updated July 2026
The verdict
The First Trust and Savings Bank of Watseka, Illinois earns a PlainBankData health grade of A (100/100), with well-capitalized at 16.26% Tier 1, profitable at 1.75% ROA, efficient (43% cost ratio).
- #2,394
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 16.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 84th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The First Trust and Savings Bank of Watseka, Illinois's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First Trust and Savings Bank of Watseka, Illinois's composite health score
Tier 1 Capital Ratio (16.26%) 40/40
Return on Assets (ROA) (1.75%) 25/25
Texas Ratio (0.09%) 20/20
Efficiency Ratio (42.77%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$269M
Customer-funded liabilities
Net Loans
$168M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First Trust and Savings Bank of Watseka, Illinois ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First Trust and Savings Bank of Watseka, Illinois's score of 100/100 falls in the highlighted band.
The First Trust and Savings Bank of Watseka, Illinois'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). The First Trust and Savings Bank of Watseka, Illinois's $321M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.26%
Texas Ratio
0.09%
Equity Capital
$50M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.75%
Return on Equity (ROE)
11.61%
Efficiency Ratio
42.77%
What the numbers say about The First Trust and Savings Bank of Watseka, Illinois
The First Trust and Savings Bank of Watseka, Illinois is an FDIC-insured institution (Certificate #10831) headquartered in Watseka, Illinois, established in 1909. It holds $321M in total assets - 2,394th of 4,313 FDIC-insured banks, $269M in customer deposits, and $168M in net loans. On safety, its Tier 1 capital ratio of 16.26% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.09% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), 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, The First Trust and Savings Bank of Watseka, Illinois ranks 148th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First Trust and Savings Bank of Watseka, Illinois reports a Texas Ratio of 0.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.09% - 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) The First Trust and Savings Bank of Watseka, Illinois (FDIC Cert #10831) - 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 The First Trust and Savings Bank of Watseka, Illinois's health grade?▼
The First Trust and Savings Bank of Watseka, Illinois receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The First Trust and Savings Bank of Watseka, Illinois?▼
The First Trust and Savings Bank of Watseka, Illinois holds $321M in total assets and $269M in deposits, ranking 2,394th of 4,313 FDIC-insured banks by asset size. It is headquartered in Watseka, Illinois.
Is my money safe at The First Trust and Savings Bank of Watseka, Illinois?▼
Yes, deposits at The First Trust and Savings Bank of Watseka, Illinois (Certificate #10831) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First Trust and Savings Bank of Watseka, Illinois's Tier 1 Capital Ratio?▼
The First Trust and Savings Bank of Watseka, Illinois has a Tier 1 Capital Ratio of 16.26%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The First Trust and Savings Bank of Watseka, Illinois?▼
The First Trust and Savings Bank of Watseka, Illinois has a Texas Ratio of 0.09%. 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 The First Trust and Savings Bank of Watseka, Illinois?▼
The First Trust and Savings Bank of Watseka, Illinois has an Efficiency Ratio of 42.77%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First Trust and Savings Bank of Watseka, Illinois's profile as a depositor or analyst.
- The First Trust and Savings Bank of Watseka, Illinois's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First Trust and Savings Bank of Watseka, Illinois 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.