First State Bank (IL) Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

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Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fsbcorp.com

217-762-9431

201 West Main Street
Monticello, IL 61856

First State Bank (IL) is headquartered in MONTICELLO and is the 98^th largest bank in the state of Illinois. It is also the 1,777^th largest bank in the nation. It was established in 1945 and as of March of 2025, it had grown to 96 employees at 10 locations. First State Bank (IL) has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	16332
Year Established	1945
Employees	96
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.76%
Return on Equity - YTD	23.09%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$508.2MM$485.3MM
Loans	Q1 2025vs Q1 2024	$182.4MM$181.5MM
Deposits	Q1 2025vs Q1 2024	$465.6MM$447.7MM
Equity Capital	Q1 2025vs Q1 2024	$38.6MM$32.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.1MM$2.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$974K$1.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$78K$60K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for First State Bank (IL).

Locations

First State Bank (IL) Locations
Champaign Branch	101 Windsor Road	Champaign, IL 61820
Atwood Branch	131 North Main Street	Atwood, IL 61913
Hammond Branch	200 S. Don Ryan	Hammond, IL 61929
First State Bank	201 W Main St	Monticello, IL 61856
Tuscola Branch	801 South Main Street	Tuscola, IL 61953
Drive-In Facility	201 West Main Street	Monticello, IL 61856

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