The First Trust and Savings Bank of Watseka, Illinois: how it compares with its peers
Against 140 IL banks with half to twice its assets, The First Trust and Savings Bank of Watseka, Illinois's strongest measure in Q2 2026 is efficiency ratio (41.58% vs. a 64.39% peer median). Its weakest relative measure is net interest margin (3.58% vs. 3.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.14% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.70% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.58% | 64.39% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $6.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.21% | 75.58% | Context |
What it means for lending operations
Its efficiency ratio of 41.58% is better than the 64.39% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers State Bank Pittsfield, IL · $340M
- The Havana National Bank Havana, IL · $333M
- Farmers State Bank of Alto Pass, Ill. Alto Pass, IL · $342M
- The Harvard State Bank Harvard, IL · $331M
- State Bank of Toulon Toulon, IL · $343M
- Buena Vista National Bank Chester, IL · $344M
Questions about The First Trust and Savings Bank of Watseka, Illinois
How big is The First Trust and Savings Bank of Watseka, Illinois?
The First Trust and Savings Bank of Watseka, Illinois, established in 1909, is headquartered in Watseka, IL. It reported $337M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First Trust and Savings Bank of Watseka, Illinois's return on assets?
1.80% annualized in Q2 2026, against a 1.14% median for 140 IL banks with half to twice its assets, ahead of 84% of them.
What is The First Trust and Savings Bank of Watseka, Illinois's efficiency ratio?
41.58% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 64.39%, and lower is better.
Is The First Trust and Savings Bank of Watseka, Illinois growing its loans?
Net loans shrank 4.3% over the year to Q2 2026, while deposits grew 7.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.