Saint Louis, MO · Cert 1073 · First Illinois Bcorp Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
53
Profitability
85
Liquidity
95
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Louis, MO · Cert 1073 · First Illinois Bcorp Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #37 of 111 inst. · $0.7B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.36% | 1.46% | 1.51% | 1.73% | 1.65% | 2.38% | 2.06% | +55 bps | |
| Return on Equity | 9.34% | 8.82% | 9.26% | 9.56% | 10.83% | 10.25% | 14.01% | 11.90% | +235 bps | |
| Net Interest Margin | 3.71% | 3.71% | 3.80% | 3.85% | 3.94% | 3.96% | 4.06% | 4.20% | +35 bps | |
| Efficiency Ratio | 52.37% | 52.32% | 50.93% | 50.02% | 48.70% | 48.57% | 39.94% | 43.29% | -673 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.90% | 1.88% | 1.87% | 1.87% | 1.07% | 1.51% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 3.77% | 4.38% | 4.34% | 3.33% | 4.19% | 2.00% | -1.23% | -557 bps | |
| Loan Growth (YoY) | 14.48% | 13.66% | 8.02% | 7.04% | 5.98% | 3.19% | 4.48% | 4.97% | -207 bps | |
| Deposit Growth (YoY) | -5.73% | 1.05% | 4.63% | 4.40% | 3.07% | 3.87% | 0.39% | 1.88% | -252 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.43% | 0.68% | 0.58% | 0.19% | 0.50% | 0.58% | -10 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.07% | 0.37% | 0.19% | -0.31% | 0.07% | -0.09% | -0.05% | -23 bps | |
| Allowance / Loans | 2.85% | 2.96% | 3.00% | 2.92% | 2.94% | 2.85% | 2.85% | 2.67% | -25 bps | |
| Allowance Coverage of NPLs | 21.6x | 11.4x | 7.0x | 4.3x | 5.0x | 15.0x | 5.7x | 4.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.33% | 15.42% | 15.79% | 15.91% | 16.19% | 16.53% | 17.30% | 18.02% | +211 bps | |
| Total Risk-Based Capital | 15.33% | 15.42% | 15.79% | 15.91% | 16.19% | 16.53% | 17.30% | 18.02% | +211 bps | |
| Equity / Assets | 15.46% | 15.74% | 15.72% | 16.03% | 16.32% | 16.74% | 17.17% | 18.03% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.65% | 76.58% | 72.84% | 74.82% | 76.76% | 76.07% | 75.81% | 77.09% | +227 bps | |
| Liquid Assets / Assets | 36.47% | 35.45% | 38.09% | 36.99% | 35.90% | 36.62% | 37.70% | 34.21% | -278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.80% | 180.73% | 174.84% | n/a | n/a | |
Saint Louis, MO · Cert 1073 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Illinois Bcorp Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Return on Assets
2.10%
Rank 3 of 40
Net Interest Margin
4.20%
Rank 2 of 40
Efficiency Ratio
46.01%
Rank 4 of 40
Equity / Assets
18.03%
Rank 3 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.10% | 0.64% | 1.04% | 1.26% | Beats 93% | 3 / 40 | ||
| Return on Equity | 11.65% | 6.25% | 9.97% | 13.41% | Beats 68% | 13 / 40 | ||
| Net Interest Margin | 4.20% | 3.09% | 3.22% | 3.62% | Beats 95% | 2 / 40 | ||
| Efficiency Ratio | 46.01% | 57.08% | 64.37% | 75.86% | Beats 92% | 4 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.14% | 0.62% | 1.92% | Beats 58% | 17 / 38 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.09% | Beats 47% | 22 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.02% | 10.29% | 12.88% | 15.77% | Beats 80% | 8 / 40 | ||
| Total Risk-Based Capital Ratio | 18.02% | 10.64% | 13.30% | 17.01% | Beats 80% | 8 / 40 | ||
| Equity / Assets | 18.03% | 8.59% | 9.46% | 12.46% | Beats 93% | 3 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.09% | 66.12% | 79.48% | 94.60% | 40th pctl | 24 / 40 | ||
| Loans / Assets | 59.57% | 54.69% | 68.52% | 77.46% | 33rd pctl | 27 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||