First State Bank and Trust
Monticello, IL · State, non-member commercial bank
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $509.6M
- Total deposits
- $464.3M
- Branches
- 10
- Return on assets
- 1.65%
- Return on equity
- 19.21%
- Charter type
- State, non-member commercial bank
- Established
- 1945
- FDIC cert #
- 16332
How the 89 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at First State Bank and Trust
First State Bank and Trust is an FDIC-insured institution (Cert #16332). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
10 branch locations
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
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