|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
.png) First State Bank (IL) Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
First State Bank (IL)'s 28-Months 28-Month Certificate of Deposit rates are at 3.89%, 11-Months 11-Month Certificate of Deposit rates are at 3.79%, 11-Months 11-Month CD rates are at 3.79%, 24-Months 24-Month Certificates of Deposit (CDs) rates are at 3.54%, 5-Months 5-Month Certificate of Deposit rates are at 3.54%. First State Bank (IL)'s savings rates are at 0.15%. First State Bank (IL)'s money market rates are at 1.00%. First State Bank (IL)'s Farm Machinery Loans rates are at 6.75%. First State Bank (IL)'s Auto Loan Rates are as low as 6.75%. MonitorBankRates evaluates the financial stability of First State Bank (IL) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates last updated and verified on 09/18/2026. First State Bank (IL) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First State Bank (IL)? Share your experience about First State Bank (IL) by leaving a review below, or read customer reviews before you decide to use First State Bank (IL). 
First State Bank (IL) CD Rates
First State Bank (IL) Savings Rates
First State Bank (IL) Money Market Rates
First State Bank (IL) Checking Rates
First State Bank (IL) Mortgage Rates
First State Bank (IL) Home Equity & HELOC
First State Bank (IL) Auto Loan Rates
Financial Health HistoryFirst State Bank (IL)’s Texas Ratio fell from 5.02% in Q3 2023 to 3.55% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First State Bank (IL) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First State Bank (IL) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First State Bank (IL)'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First State Bank (IL)
Bank Holding Company
TRI-COUNTY FINANCIAL GROUP INC
Address
706 Washington St,
Mendota, IL 61342 · Lasalle
Website
https://www.firststatebank.biz
FDIC Certificate #
15752
Established
19400706
FDIC Insurance Date
19400706
Domestic Offices
20
Total Branches
20
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.55%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.1641%
Return on Equity (ROE)
10.8800%
Non-Performing Loans (NPL)
0.39%
Total Assets
$1,559,346,000
Total Deposits
$1,298,095,000
Equity Capital
$172,128,000
Net Income
$9,179,000
Headquarters
Mendota
Total Branches and Offices
20
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for First State Bank (IL) yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First State Bank (IL)
Frequently Asked Questions About First State Bank (IL)How many branches does First State Bank (IL) operate?First State Bank (IL) currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First State Bank (IL) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First State Bank (IL) provides members with tools to manage their accounts and build a solid financial history. Does First State Bank (IL) offer online and mobile banking?Most modern institutions like First State Bank (IL) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firststatebank.biz. Current First State Bank (IL) Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
First Bank (NJ)
Amboy Bank
Commercial State Bank Wausa, NE
Bank of Sunset and Trust Company
Blackhawk Bank & Trust
Bank of 1889
Premier Bank Omaha, NE
SouthStar Bank
Inwood National Bank
Longview Bank
Platte Valley Bank (WY)
CNB Bank Berkeley Springs, WV
The Bank of South Carolina
Slovenian S&L of Franklin-Conemaugh
JD Bank
CentreBank
First State Bank of Uvalde
Metropolitan Bank and Trust Company
Fidelity Co-operative Bank
American Community Bank & Trust
Scottsburg Building and Loan Association
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
