IL lenders / Community Bank
The First Trust and Savings Bank of Watseka, Illinois
Community Bank · Watseka, IL · First Trust Holdings Inc The
- Total assets
- $333.4M
- CRE loan book
- $17.4M
- QoQ CRE growth
- 1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.27% as of Q1 2026 — TX bank median 4.87% (0.41pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.27% | 5.65% |
| Q4 2025 | 5.36% | 5.84% |
| Q3 2025 | 5.31% | 5.94% |
| Q2 2025 | 5.13% | 5.74% |
| Q1 2025 | 5.03% | 5.42% |
| Q4 2024 | 4.95% | 5.58% |
| Q3 2024 | 4.93% | 5.59% |
| Q2 2024 | 4.82% | 5.50% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $17.4M | $225,000 | $286,000 | 1% | $0 |
| Q4 2025 | $17.2M | $149,000 | $287,000 | 1% | $0 |
| Q3 2025 | $15.9M | $116,000 | $0 | 0% | $0 |
| Q2 2025 | $16.2M | $104,000 | $0 | 0% | $0 |
| Q1 2025 | $15.8M | $105,000 | $0 | 0% | $0 |
| Q4 2024 | $15.7M | $82,000 | $0 | 0% | $0 |
| Q3 2024 | $13.6M | $0 | $0 | 0% | $0 |
| Q2 2024 | $13.5M | $0 | $0 | 0% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers Savings BankCommunity Bank · Colesburg · $17.3M CRE book
- SNB Bank, National AssociationCommunity Bank · Shattuck · $17.5M CRE book
- Commercial State BankCommunity Bank · Palmer · $17.3M CRE book
- The Peoples BankCommunity Bank · Pratt · $17.7M CRE book
- Elysian BankCommunity Bank · Elysian · $17.1M CRE book
See all alternatives to The First Trust and Savings Bank of Watseka, Illinois →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.