B
The First Trust and Savings Bank of Watseka
Watseka,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
16.41
Return On
Assets
1.72%
Total
Assets
315.41M
Capital
47.51M
Total
Deposits
266.96M
Net
Income
2.79M
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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 8.90
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 8.60
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 0.20%
5-Year Asset Growth 5.42%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.07%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 0.77%
Non-Performing Loans to Loans 0.49%
Balance Sheet The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Total Assets 315.41M
Total Deposits 266.96M
Capital and Reserves The First Trust and Savings Bank of Watseka
Watseka, IL 		Click to
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Capital 47.51M
Leverage Ratio 16.41
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 15.86%
Liquidity Ratio 29.41%
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 2.79M
Net Interest Spread 3.42%
Operating Profit to Average Assets 2.22%
Overhead Efficiency Ratio 42.16%
Return on Assets 1.72%
Return on Equity 11.87%