First State Bank (FDIC #15752): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #15752): bank stress 64/100, elevated, STABLE over 7 days; parent TRI-COUNTY FINANCIAL GROUP INC.
First State Bank (#15752) lends in 9 counties across 1 state; First State Bank (#15752) reaches 215 ZIP codes: Illinois 9 counties, 215 ZIPs.
First State Bank (#15752) largest markets: Champaign County, IL (35 branches, 35 ZIPs) (#15752), Kane County, IL (136 branches, 34 ZIPs) (#15752), Mclean County, IL (33 branches, 33 ZIPs) (#15752), Bureau County, IL (62 branches, 31 ZIPs) (#15752), Lasalle County, IL (145 branches, 29 ZIPs) (#15752), Ogle County, IL (27 branches, 27 ZIPs) (#15752).
First State Bank (#15752) reports $1.56 billion in total assets; First State Bank (#15752) equity $172.1 million (11.0% of First State Bank (#15752) assets); First State Bank (#15752) domestic deposits $1.30 billion; First State Bank (#15752) net income $9.2 million; First State Bank (#15752) return on assets 1.16%; First State Bank (#15752) return on equity 10.88%; First State Bank (#15752) net interest income $28.0 million; First State Bank (#15752) call report June 30, 2026.
First State Bank (#15752) noncurrent real-estate loans: none reported; First State Bank (#15752) net charge-offs on real estate 0.48%; First State Bank (#15752) multifamily charge-offs 0.18%; First State Bank (#15752) residential charge-offs 1.22%.
First State Bank (#15752) net interest margin 3.78% against an eight-quarter First State Bank (#15752) average of 3.36% (First State Bank (#15752) compression -0.42 points); First State Bank (#15752) non-residential real estate 122.0% of equity; First State Bank (#15752) rate-exposure score 40/100, First State Bank (#15752) fixed-rate trap 40/100; First State Bank (#15752) risk type credit driven; First State Bank (#15752) rate regime rates elevated, First State Bank (#15752) snapshot October 19, 2026.
First State Bank (#15752) stress score moved from 62.3 on June 22, 2026 to 63.6 on October 20, 2026; First State Bank (#15752) ranged 62.3 to 63.6 over 117 snapshots.
First State Bank (#15752) alerts: 9 counties; top First State Bank (#15752) alert scores: Champaign County, IL 39 (moderate); Bloomington County, IL 23 (low); Mcnabb County, IL 23 (low); Princeton County, IL 23 (low); Rochelle County, IL 23 (low).