The First Trust and Savings Bank of Watseka

Watseka, IL

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.90
Capitalization Index	10.00
Liquidity Index	3.30
Profitability Index	9.00
Stability Index	6.30

Company Info	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.65%
5-Year Asset Growth	2.82%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	-0.04%
Non-Performing Assets to Assets	0.24%
Non-Performing Loans to Capital	0.74%
Non-Performing Loans to Loans	0.46%

Balance Sheet	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	321.28M
Total Deposits	268.64M

Capital and Reserves	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
Capital	50.16M
Leverage Ratio	16.26
Loan Loss Reserves to Loans	1.11%
Risk-Based Capital Ratio	--

Liquidity	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	16.68%
Liquidity Ratio	21.70%

Profitability	The First Trust and Savings Bank of Watseka Watseka, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.27%
Net Income	5.58M
Net Interest Spread	3.53%
Operating Profit to Average Assets	2.21%
Overhead Efficiency Ratio	42.77%
Return on Assets	1.71%
Return on Equity	11.61%