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First State Bank and Trust
✓ FDIC-insured · Active FDIC Certificate #16332
First State Bank and Trust is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Monticello, Illinois, established in 1945. As of the 06/30/2026 FDIC call report, it reported $510M in total assets and $464M in deposits. FDIC location data lists 10 offices in Illinois. The FDIC classifies it as a community bank. It is owned by the holding company FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN (Monticello, IL).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 10 of First State Bank and Trust's FDIC-listed offices are in Illinois. Browse banks in Monticello for other local options.
Branch locations
| First State Bank and Trust First State Bank And Trust · Full Service - Brick And Mortar | 201 W Main St Monticello, IL 61856 Map ↗ |
| First State Bank and Trust Bloomington Branch · Full Service - Brick And Mortar | 204 N Prospect Rd Bloomington, IL 61704 Map ↗ |
| First State Bank and Trust Tuscola Branch · Full Service - Brick And Mortar | 801 S Main St Tuscola, IL 61953 Map ↗ |
| First State Bank and Trust Drive-In Facility · Limited Service - Drive Thru/Detached Facility | 201 W Main St Monticello, IL 61856 Map ↗ |
| First State Bank and Trust Westminster Village Facility · Limited Service - Retail | 2025 E Lincoln St Bloomington, IL 61701 Map ↗ |
| First State Bank and Trust Atwood Branch · Full Service - Brick And Mortar | 131 N Main St Atwood, IL 61913 Map ↗ |
| First State Bank and Trust Champaign Branch · Full Service - Brick And Mortar | 101 E Windsor Rd Champaign, IL 61820 Map ↗ |
| First State Bank and Trust Luther Oaks Branch · Limited Service - Retail | 601 Lutz Rd Bloomington, IL 61704 Map ↗ |
| First State Bank and Trust Heyworth First State Branch · Full Service - Brick And Mortar | 117 E Main St Heyworth, IL 61745 Map ↗ |
| First State Bank and Trust Hammond Branch · Full Service - Brick And Mortar | 200 S. Don Ryan Hammond, IL 61929 Map ↗ |
Holding company: FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN
The FDIC lists FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN, based in Monticello, IL, as the top holding company for First State Bank and Trust. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Illinois
Active FDIC-insured banks headquartered in Illinois with total assets closest to First State Bank and Trust's $510M. See all banks in Illinois.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Apple River State Bank | Apple River | $675M | 8 |
| Peoples Bank & Trust | Pana | $657M | 14 |
| First Eagle Bank | Chicago | $650M | 2 |
| Stillman BancCorp N.A. | Stillman Valley | $646M | 6 |
| Legence Bank | Eldorado | $643M | 11 |
| Bank & Trust Company | Litchfield | $641M | 11 |
| TrustBank | Olney | $640M | 8 |
| The First National Bank of Carmi | Carmi | $622M | 12 |
First State Bank and Trust: common questions
Is First State Bank and Trust FDIC-insured?
Yes. First State Bank and Trust is an active FDIC-insured institution, FDIC Certificate #16332. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is First State Bank and Trust headquartered?
First State Bank and Trust is headquartered at 201 W Main St, Monticello, IL 61856, according to FDIC records.
How many branches does First State Bank and Trust have?
FDIC location data lists 10 offices for First State Bank and Trust, all in Illinois.
Who owns First State Bank and Trust?
The FDIC lists FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN of Monticello, IL as the top holding company for First State Bank and Trust.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.