First State Bank And Trust is a bank based in Monticello, Illinois, established in 1945, with $507 million in total assets across 10 branches. By Trust Grade it ranks 227th of 328 banks we track in Illinois. Its capital ratio of 8.6% trails most similarly sized banks (23th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.64% return on assets. No consumer complaints against First State Bank And Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank And Trust compares to Illinois peers
How we graded First State Bank And Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Strongly profitable (ROA 1.64%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank And Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 201 W Main St, Monticello, IL 61856
- 204 N Prospect Rd, Bloomington, IL 61704
- 801 S Main St, Tuscola, IL 61953
- 201 W Main St, Monticello, IL 61856
- 2025 E Lincoln St, Bloomington, IL 61701
- 131 N Main St, Atwood, IL 61913
- 101 E Windsor Rd, Champaign, IL 61820
- 601 Lutz Rd, Bloomington, IL 61704
- 117 E Main St, Heyworth, IL 61745
- 200 S. Don Ryan, Hammond, IL 61929
Are deposits at First State Bank And Trust insured?
Yes. First State Bank And Trust is an FDIC-insured bank (FDIC certificate #16332). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank And Trust: frequently asked questions
Is First State Bank And Trust a good bank?
First State Bank And Trust earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Strongly profitable (ROA 1.64%).
Is First State Bank And Trust FDIC-insured?
Yes. First State Bank And Trust is a FDIC-insured bank (FDIC certificate #16332). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank And Trust?
First State Bank And Trust holds $507 million in total assets, ranking 227th of 328 banks we track in Illinois. It operates 10 branches.
Does First State Bank And Trust have CFPB complaints?
No CFPB complaints against First State Bank And Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
