First Community State Bank

Headquarters

417 West North Street
Staunton, IL 62088
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Community State Bank is an FDIC insured institution located in Staunton, IL. It was founded in 1969 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 20028
Date Established 1969
Assets $ 44.94 million
Loans $ 35.91 million
Deposits $ 40.75 million
Capital $ 3.80 million
 

For a more detailed analysis of First Community State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Community State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to First Community State Bank
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Branches

First Community State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Community State Bank Locations


Financial Details

First Community State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Community State Bank U.S. Bank Average
8.7% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Community State Bank had $0 in non-current loans and $366,000 in owned real estate. To cover these potential losses it had $3,796,000 in equity and $413,000 in loans loss reserves. That gives it a Texas Ratio of 8.7%.

Return on Equity
First Community State Bank U.S. Bank Average
3.64% 7.80%

First Community State Bank has a Return on Equity of 3.64% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Community State Bank U.S. Bank Average
8.45% 12.68%

First Community State Bank has a Capitalization of 8.45% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Community State Bank Balance Sheet Analysis

As of June 30, 2014, First Community State Bank had assets of $44,936,000, loans of $35,907,000, and deposits of $40,750,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 35.91 million
Loan loss allowance $ 0.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 40.75 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 44.94 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Community State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, First Community State Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.26
Multifamily
Mortgages
3.66
Credit Card Loans 0.00
Consumer Auto Loans 1.46
Small Business Loans 49.04
Construction and Development Loans 3.04
Commercial Real Estate 49.04
Commercial and Industrial Loans 16.48
Farm Loans 0.00

Frequently Asked Questions About First Community State Bank

Branches and Savings

Is First Community State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20028.

Why does First Community State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Community State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Community State Bank a commercial bank?

Yes

Where are First Community State Bank locations?

See branch locations nearby.

Is First Community State Bank open on Saturdays?

Is First Community State Bank open on Sundays?

What time does First Community State Bank open?

What time does First Community State Bank close?

Are First Community State Bank ATMs Open 24/7?

Do First Community State Bank ATMs accept cash deposits?

Can First Community State Bank customers use other ATMs?

Do First Community State Bank branches have notaries?

Will First Community State Bank notarize my document?

What address for First Community State Bank should I put for incoming ACH transfers?

Will the First Community State Bank branch print checks?

Do First Community State Bank checks expire?

Does First Community State Bank require US citizenship to open account?

Can First Community State Bank close my account?

Does First Community State Bank Report to credit bureaus?

Does First Community State Bank Use Equifax?

What is First Community State Bank's ACH Routing Number?

What is First Community State Bank's SWIFT code?

Products

Does First Community State Bank offer mortgages?

Compare mortgage rates here.

Does First Community State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community State Bank offer personal loans?

Compare personal loan rates here.

Does First Community State Bank offer student loans?

Will First Community State Bank cash a check?

Will First Community State Bank redeem a savings bond?

Does First Community State Bank cash savings bonds?

Will First Community State Bank cash money orders?

Can First Community State Bank issue a money order?

Does First Community State Bank do currency exchange?

Background on The Bank

Who owns First Community State Bank?

How long has First Community State Bank been around?

Can First Community State Bank transfer to other banks?

Does First Community State Bank have quick pay?

Does First Community State Bank accept rolled coins?

Will First Community State Bank accept loose change?

Where is First Community State Bank headquarters?

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