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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 10831 · IL A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #88/4307
  • PHOTO-FINISH The State Bank of Bern · KS
  • TIER1-WELL 16.3% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-STRONG 1.75% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: The State Bank of Bern, KS (±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 The First Trust and Savings Bank of W…

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

Cumberland Security… · KY · …100/100First Citizens State… · WI ·…100/100Morgan Stanley Bank,… · UT ·…100/100The Fidelity State B… · KS ·…100/100The First Trust and… · IL · …100/100The State Bank of Bern · KS …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First Trust and Savings Bank of W… · July 2026

Call Report read for The First Trust and Savings Bank of W… in a high-failure state

The First Trust and Savings Bank of Watseka, Illinois (FDIC Cert #10831) carries a PlainBankData health grade of A at 100/100, 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 #88 of 4,307. Tier 1 capital prints at 16.26%, clearing the 10% well-capitalized line. The Texas Ratio is 0.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.75%. Balance-sheet scale is $321M, 2,394th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The State Bank of Bern (KS), 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 The First Trust and Savings Bank of W…

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

The First Trust and Savings Bank of Watseka, Illinois 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 The First Trust and Savings Bank of Watseka, Illinois'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 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.

0/100100/100National avg77/100100/100
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 Assets

$321M

Total balance-sheet footings

Total Deposits

$269M

Customer-funded liabilities

Net Loans

$168M

Outstanding loan book

Net Income

$6M

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.) 14.86% 16.26% 17.66%
Basel III capital ratios - The First Trust and Savings Bank of Watseka, Illinois

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 2% higher than 98% 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. The First Trust and Savings Bank of W… 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

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.

Capital & credit buffers at The First Trust and Savings Bank of W…

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

What these ratios mean →

Earnings posture at The First Trust and Savings Bank of W…

Return on Assets (ROA)
84th percentile nationally
1.75%
Return on Equity (ROE)
11.61%
Efficiency Ratio
42.77%

What these mean →

Income & expense at The First Trust and Savings Bank of W…

$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.

FDIC Failed Bank List → View The First Trust and Savings Bank of Watseka, Illinois 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 ($321M here), outside Illinois so the neighborhood is not state containment.

American Community Bank $321M · NY O'Bannon Banking Company $321M · MO Security Bank $321M · NE Gulfside Bank $321M · FL

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.

The First Trust and Savings Bank of Watseka, Illinois 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%