FNBC Bank and Trust
La Grange, IL · Cert 11306 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · F N B C of La Grange Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$581.6MAssets
$328.3MLoans
$525.1MDeposits
$54.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
- Widest gap: equity / assets trails 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 44 of 57).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.19%
Rank 15 of 57
Net Interest Margin
3.20%
Rank 42 of 57
Efficiency Ratio
66.87%
Rank 26 of 57
Equity / Assets
9.29%
Rank 44 of 57
Non-interest income vs. expense
Unfavorable gap of $10.1M · efficiency ratio beats 56% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.51% | 0.84% | 1.19% | Beats 74% | 15 / 57 | | |
| Return on Equity | 12.76% | 3.13% | 7.76% | 11.40% | Beats 86% | 8 / 57 | | |
| Net Interest Margin | 3.20% | 3.16% | 3.63% | 4.08% | Beats 26% | 42 / 57 | | |
| Efficiency Ratio | 66.87% | 59.57% | 69.70% | 81.06% | Beats 56% | 26 / 57 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.06% | 0.34% | 1.78% | Beats 79% | 13 / 56 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | | |
| Capital |
| Tier 1 Capital Ratio | 17.63% | 12.24% | 16.06% | 19.69% | Beats 61% | 22 / 57 | | |
| Total Risk-Based Capital Ratio | 18.81% | 12.54% | 16.50% | 20.95% | Beats 61% | 22 / 57 | | |
| Equity / Assets | 9.29% | 9.37% | 11.56% | 15.00% | Beats 23% | 44 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.52% | 66.29% | 85.59% | 95.16% | 14th pctl | 49 / 57 | | |
| Loans / Assets | 56.45% | 57.07% | 71.07% | 78.13% | 21st pctl | 45 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |