PackageTrendsPeer
Letter portraitLegal landscape

Forest Park National Bank and Trust Company

Forest Park, IL · Cert 15945 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Forest Park Corp.

National charter · OCC · 2 branches

Q2 2026

$322.4MAssets
$252.8MLoans
$288.0MDeposits
$25.5MEquity

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 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.72%

Rank 33 of 57

Net Interest Margin

3.95%

Rank 17 of 57

Efficiency Ratio

77.95%

Rank 36 of 57

Equity / Assets

7.92%

Rank 54 of 57

Non-interest income vs. expense

$0.7M$10.7MINCOMEEXPENSE
Unfavorable gap of $9.9M · efficiency ratio beats 39% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 77.95%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.72%0.51%0.84%1.19%Beats 42%33 / 57
Return on Equity9.11%3.13%7.76%11.40%Beats 61%22 / 57
Net Interest Margin3.95%3.16%3.63%4.08%Beats 70%17 / 57
Efficiency Ratio77.95%59.57%69.70%81.06%Beats 39%36 / 57
Asset Quality
Nonperforming Loans / Loans2.48%0.06%0.34%1.78%Beats 16%48 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio10.62%12.24%16.06%19.69%Beats 16%48 / 57
Total Risk-Based Capital Ratio11.86%12.54%16.50%20.95%Beats 18%47 / 57
Equity / Assets7.92%9.37%11.56%15.00%Beats 5%54 / 57
Liquidity & Funding
Loans / Deposits87.79%66.29%85.59%95.16%58th pctl24 / 57
Loans / Assets78.43%57.07%71.07%78.13%75th pctl14 / 57
Brokered Deposits / Depositsn/aNot reported for this institution