The routing transit number 071121963 belongs to First State Bank and Trust, headquartered in Monticello, Illinois. First State Bank and Trust is an independent community financial institution providing personalized retail checking accounts, residential mortgages, commercial lending, and local wealth management services. This nine-digit routing code is actively utilized to handle standard automated clearing house (ACH) payments, direct payroll deposits, and electronic funds transfers. Using verified community bank routing numbers ensures that local account transactions settle accurately through the federal clearing framework.