First State Bank&Trust (FDIC #16332): Bank Stress & Real-Estate Credit Exposure
First State Bank&Trust (FDIC Cert #16332): bank stress 63/100, elevated, STABLE over 7 days; parent FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN.
First State Bank&Trust (#16332) lends in 4 counties across 1 state; First State Bank&Trust (#16332) reaches 85 ZIP codes: Illinois 4 counties, 85 ZIPs.
First State Bank&Trust (#16332) largest markets: Champaign County, IL (35 branches, 35 ZIPs) (#16332), Mclean County, IL (66 branches, 33 ZIPs) (#16332), Piatt County, IL (64 branches, 16 ZIPs) (#16332), Douglas County, IL (13 branches, 13 ZIPs) (#16332).
First State Bank&Trust (#16332) reports $509.6 million in total assets; First State Bank&Trust (#16332) equity $43.1 million (8.5% of First State Bank&Trust (#16332) assets); First State Bank&Trust (#16332) domestic deposits $464.3 million; First State Bank&Trust (#16332) net income $4.2 million; First State Bank&Trust (#16332) return on assets 1.65%; First State Bank&Trust (#16332) return on equity 19.21%; First State Bank&Trust (#16332) net interest income $9.4 million; First State Bank&Trust (#16332) call report June 30, 2026.
First State Bank&Trust (#16332) noncurrent real-estate loans 0.01% of its book; First State Bank&Trust (#16332) net charge-offs on real estate 0.50%; First State Bank&Trust (#16332) residential charge-offs 0.47%.
First State Bank&Trust (#16332) net interest margin 3.89% against an eight-quarter First State Bank&Trust (#16332) average of 3.97% (First State Bank&Trust (#16332) compression 0.07 points); First State Bank&Trust (#16332) real-estate loans 0.9% of equity; First State Bank&Trust (#16332) non-residential real estate 47.5% of equity; First State Bank&Trust (#16332) rate-exposure score 40/100, First State Bank&Trust (#16332) fixed-rate trap 40/100; First State Bank&Trust (#16332) risk type credit driven; First State Bank&Trust (#16332) rate regime rates elevated, First State Bank&Trust (#16332) snapshot October 19, 2026.
First State Bank&Trust (#16332) stress score moved from 61.4 on June 22, 2026 to 63.1 on October 19, 2026; First State Bank&Trust (#16332) ranged 61.4 to 63.1 over 116 snapshots.
First State Bank&Trust (#16332) alerts: 4 counties; top First State Bank&Trust (#16332) alert scores: Champaign County, IL 40 (moderate); Heyworth County, IL 24 (low); Monticello County, IL 24 (low); Tuscola County, IL 24 (low).