First State Bank and Trust
Headquarters: Monticello, Illinois
Overview
First State Bank and Trust is an FDIC-insured bank headquartered in Monticello, Illinois. It reported $506.99M in assets and $459.48M in deposits for the period ending March 31, 2026. Bankular currently lists 10 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where First State Bank and Trust has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of First State Bank and Trust
Atwood Branch
131 N Main St, Atwood, Illinois, 61913
Full-service branch · Opened January 1, 1919
Bloomington Branch
204 N Prospect Rd, Bloomington, Illinois, 61704
Full-service branch · Opened April 1, 2023
Champaign Branch
101 E Windsor Rd, Champaign, Illinois, 61820
Full-service branch · Opened September 7, 2006
Drive-In Facility
201 W Main St, Monticello, Illinois, 61856
Limited Service: Drive Thru/Detached Facility · Opened February 2, 1972
Address and directions →Hammond Branch
200 S. Don Ryan, Hammond, Illinois, 61929
Full-service branch · Opened September 23, 1901
Heyworth First State
117 E Main St, Heyworth, Illinois, 61745
Full-service branch · Opened April 12, 1906
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $506.99M | $459.48M | $197.38M | 1.64% |
| December 31, 2025 | $502.76M | $455.66M | $201.06M | 1.79% |
| September 30, 2025 | $511.35M | $465.31M | $185.12M | 1.83% |
| June 30, 2025 | $513.97M | $470.82M | $183.77M | 1.83% |
| March 31, 2025 | $508.24M | $465.64M | $182.42M | 1.76% |
| December 31, 2024 | $477.60M | $437.36M | $193.07M | 1.92% |
| September 30, 2024 | $481.38M | $440.34M | $187.52M | 1.92% |
| June 30, 2024 | $483.35M | $445.89M | $186.80M | 1.94% |
Size and reach
How this institution compares
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More on First State Bank and Trust
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Branch locations
10 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Illinois.
Explore →Monticello banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is First State Bank and Trust federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 16332.
Where is First State Bank and Trust headquartered?
First State Bank and Trust is headquartered in Monticello, Illinois, at 201 W Main St, Monticello, Illinois, 61856.
How large is First State Bank and Trust?
It reported $506.99M in assets and $459.48M in deposits for the period ending March 31, 2026.
How many locations does First State Bank and Trust have?
Bankular currently lists 10 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.