Bank · FDIC insured
First Trust and Savings Bank
A $337.1M bank headquartered in Watseka, IL, with 2 branches in Illinois. Best rates: CDs 3.75% and savings 0.40% APY.
First Trust and Savings Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#192 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Trust and Savings Bank
- Headquarters
- 120 E Walnut St, Watseka, IL 60970
- FDIC certificate
- 10831 ↗
Branches
2 branches in Illinois
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Illinois
2 branches
Watseka area · 1
- The First Trust and Savings Bank of Watseka, IllinoisMain office120 E Walnut St, Watseka, IL 60970Directions
Clifton area · 1
- Clifton Branch145 E 5th Ave, Clifton, IL 60927Directions
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 | 16.10% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.80% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $54 | $81 | — |
- CapitalLeverage ratio16.10%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.80%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$54Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Trust and Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.