B
The First Trust and Savings Bank of Watseka
Watseka,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
16.40
Return On
Assets
1.73%
Total
Assets
315.97M
Capital
49.24M
Total
Deposits
265.76M
Net
Income
4.20M
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Weiss Ratings The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 8.80
Stability Index 6.30
Company Info The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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FDIC Number 10831
Phone Number (815) 432-2494
Website www.ftsbank.com/
Asset Quality The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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1-Year Asset Growth -2.93%
5-Year Asset Growth 5.42%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.05%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 0.09%
Non-Performing Loans to Loans 0.46%
Balance Sheet The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Total Assets 315.97M
Total Deposits 265.76M
Capital and Reserves The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Capital 49.24M
Leverage Ratio 16.40
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio --
Liquidity The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Hot Money Ratio 15.95%
Liquidity Ratio 20.71%
Profitability The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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5-Year Return on Average Assets 1.27%
Net Income 4.20M
Net Interest Spread 3.49%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 42.14%
Return on Assets 1.73%
Return on Equity 11.79%