B
The First Trust and Savings Bank of Watseka
Watseka,  IL
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
16.10
Return On
Assets
1.75%
Total
Assets
337.13M
Capital
50.35M
Total
Deposits
285.87M
Net
Income
2.97M
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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 9.00
Capitalization Index 10.00
Liquidity Index 4.00
Profitability Index 9.30
Stability Index 7.00
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 6.89%
5-Year Asset Growth 2.82%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.12%
Non-Performing Loans to Loans 0.06%
Balance Sheet The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Total Assets 337.13M
Total Deposits 285.87M
Capital and Reserves The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Capital 50.35M
Leverage Ratio 16.10
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio --
Liquidity The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Hot Money Ratio 19.40%
Liquidity Ratio 33.62%
Profitability The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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5-Year Return on Average Assets 1.40%
Net Income 2.97M
Net Interest Spread 3.52%
Operating Profit to Average Assets 2.25%
Overhead Efficiency Ratio 41.58%
Return on Assets 1.75%
Return on Equity 11.89%