Bank · FDIC insured
First State Bank
Top CarrotA $1.6B bank headquartered in Mendota, IL, with 19 branches in Illinois. Best rates: CDs 4.25% and savings 1.00% APY.
First State Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#4 of 17 in Ottawa, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
- Headquarters
- 706 Washington St, Mendota, IL 61342
- FDIC certificate
- 15752 ↗
Branches
19 branches in Illinois
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Illinois
19 branches
Ottawa area · 8
- First State BankMain office706 Washington St, Mendota, IL 61342Directions
- La Moille Facility90 N Main St, La Moille, IL 61330Directions
- Mcnabb Branch411 W Main St, McNabb, IL 61335Directions
- Mendota Plaza Branch1403 13th Ave, Mendota, IL 61342Directions
- Ottawa Branch1212 La Salle St, Ottawa, IL 61350Directions
- Peru Branch4351 Venture Dr, Peru, IL 61354Directions
- Princeton Branch1693 N Main St, Princeton, IL 61356Directions
- Streator Branch115 Plaza Dr, Streator, IL 61364Directions
Chicago area · 7
- Batavia Branch825 N. Randall Rd, Batavia, IL 60510Directions
- Geneva Branch323 W State St, Geneva, IL 60134Directions
- North Aurora Office75 S Randall Rd, North Aurora, IL 60542Directions
- Shabbona Branch203 W Comanche Ave, Shabbona, IL 60550Directions
- St. Charles West Branch2601 Oak St, St. Charles, IL 60175Directions
- Sycamore Branch1940 Dekalb Ave, Sycamore, IL 60178Directions
- Waterman Branch10001 U S 30, Waterman, IL 60556Directions
Bloomington area · 1
- Bloomington Branch502 N Hershey Rd, Bloomington, IL 61704Directions
Champaign area · 1
- Champaign Branch2911 Crossing Ct, Champaign, IL 61822Directions
Rochelle area · 1
- Rochelle Branch304 Highway 38 E, Rochelle, IL 61068Directions
Dixon area · 1
- West Brooklyn Branck Branch752 2nd St., West Brooklyn, IL 61378Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.93% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.16% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalLeverage ratio10.93%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.16%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.