FIRST T&SB OF WATSEKA IL
WATSEKA, ILLINOIS · FDIC Cert #10831
Capital & Safety Analysis
According to FDIC financial data, FIRST T&SB OF WATSEKA IL holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST T&SB OF WATSEKA IL to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST T&SB OF WATSEKA IL shows strong financial health indicators. With $315M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST T&SB OF WATSEKA IL has a Bank Health Score of B (65/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST T&SB OF WATSEKA IL holds $315M in total assets and $269M in total deposits. It is located in WATSEKA, ILLINOIS (FDIC Certificate #10831).
FIRST T&SB OF WATSEKA IL has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.05%, and the return on assets is 2.28%.
Yes. FIRST T&SB OF WATSEKA IL is FDIC-insured (Certificate #10831). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.