FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN is the bank holding company. FIRST STATE BANK AND TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN

1 active bank · 4 merged/absorbed · $507M combined assets

RSSD ID: 2310217 (FFIEC NIC)

Combined Assets

$507M

CRA Rating Summary

Satisfactory1charter

Across all 28 exams on record for this holding company's charters, 96% resulted in Outstanding or Satisfactory.

Primary bankFIRST STATE BANK AND TRUSTMONTICELLO, ILSatisfactory$507MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$507M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$459M

Net Income

$2M

ROA (avg)

1.64%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

539

Origination Rate

74.4%

Denial Rate

10.76%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
FIRST STATE BANK AND TRUST	MONTICELLO, IL	FDIC	$507M	Satisfactory	Feb 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.