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First Bank Chicago

Highland Park, IL · Cert 17470 · First Bank Chicago Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

8

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank Chicago

Highland Park, IL · Cert 17470 · First Bank Chicago Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$2.2BAssets
$1.5BLoans
$1.8BDeposits
$198.4MEquity
Loan mix
51%RE $756.5M49%C&I $725.8M0%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $1.7B7%Noninterest $0.1BQ2 2025Q2 2026

NIM

4.94%Q2 ’244.89%Q2 ’254.88%Q2 ’26+36%+13%

Non-interest income vs. expense

1.68%Q2 ’241.77%Q2 ’251.76%Q2 ’26+7%-1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #40 of 147 inst. · $1.8B of $630.7B

0.3% Cook
1.7% Lake

Executive Summary

  • Earnings: ROA of 0.28%, up 17 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 1.09% of loans (+59 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.09%, down 48 bps from a year ago.
  • Funding: loans stand at 85.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.04%+24 bps YoY

Efficiency Ratio (YTD, annualized)

80.21%-1,088 bps YoY

Tier 1 Leverage Ratio

9.09%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.17%0.23%0.25%0.28%+17 bps
Return on Equity1.10%1.85%2.52%2.73%3.08%+198 bps
Net Interest Margin1.79%1.82%1.82%2.02%2.04%+24 bps
Efficiency Ratio91.09%88.34%84.58%83.33%80.21%-1,088 bps
Non-Interest Burden1.62%1.59%1.51%1.66%1.60%-2 bps
Growth
Asset Growth (YoY)5.77%10.33%11.32%9.69%10.11%+433 bps
Loan Growth (YoY)10.71%13.21%11.14%11.43%11.52%+80 bps
Deposit Growth (YoY)3.52%5.39%11.16%7.36%10.41%+690 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.64%0.42%0.36%1.09%+59 bps
Net Charge-Offs / Loans-0.10%-0.09%-0.01%0.00%0.14%+25 bps
Allowance / Loans0.87%0.90%0.83%0.85%0.82%-4 bps
Allowance Coverage of NPLs1.7x1.4x2.0x2.3x0.8x-1.0x
Capital
Tier 1 Leverage Ratio9.57%9.36%9.39%9.15%9.09%-48 bps
Total Risk-Based Capital9.57%9.36%9.39%9.15%9.09%-48 bps
Equity / Assets9.22%8.95%8.97%9.10%8.90%-32 bps
Liquidity & Funding
Loans / Deposits84.87%86.37%87.25%84.77%85.72%+85 bps
Liquid Assets / Assets25.02%25.29%24.50%24.68%24.76%-26 bps
CRE / Total Capitaln/a374%384%358%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Bank Chicago

Highland Park, IL · Cert 17470 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · First Bank Chicago Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$2.2BAssets
$1.5BLoans
$1.8BDeposits
$198.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 39% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 31).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.27%

Rank 29 of 31

Net Interest Margin

2.04%

Rank 31 of 31

Efficiency Ratio

80.21%

Rank 29 of 31

Equity / Assets

8.90%

Rank 24 of 31

Non-interest income vs. expense

$3.4M$37.9MINCOMEEXPENSE
Unfavorable gap of $34.5M · efficiency ratio beats 10% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 80.21%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%1.15%1.39%1.64%Beats 6%29 / 31
Return on Equity3.06%11.05%13.35%16.66%Beats 6%29 / 31
Net Interest Margin2.04%3.00%3.28%3.75%Beats 0%31 / 31
Efficiency Ratio80.21%37.25%50.71%61.60%Beats 10%29 / 31
Asset Quality
Nonperforming Loans / Loans1.09%0.18%0.41%1.00%Beats 16%27 / 31
Net Charge-Offs / Loans0.07%0.00%0.04%0.11%Beats 39%20 / 31
Capital
Tier 1 Capital Ratio9.09%10.88%11.50%13.72%Beats 0%31 / 31
Total Risk-Based Capital Ratio9.09%11.53%12.02%14.77%Beats 0%31 / 31
Equity / Assets8.90%8.90%10.15%11.24%Beats 23%24 / 31
Liquidity & Funding
Loans / Deposits85.72%80.56%87.67%94.53%39th pctl19 / 31
Loans / Assets68.65%67.81%73.77%76.85%26th pctl23 / 31
Brokered Deposits / Depositsn/aNot reported for this institution