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
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 $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.
Capital
8
Asset Quality
28
Profitability
4
Liquidity
85
Efficiency
10
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.
Highland Park, IL · Cert 17470 · First Bank Chicago Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #40 of 147 inst. · $1.8B of $630.7B
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 | -0.04% | -0.18% | 0.05% | 0.10% | 0.17% | 0.23% | 0.25% | 0.28% | +17 bps | |
| Return on Equity | -0.43% | -1.79% | 0.50% | 1.10% | 1.85% | 2.52% | 2.73% | 3.08% | +198 bps | |
| Net Interest Margin | 1.39% | 1.43% | 1.74% | 1.79% | 1.82% | 1.82% | 2.02% | 2.04% | +24 bps | |
| Efficiency Ratio | 113.83% | 110.42% | 95.85% | 91.09% | 88.34% | 84.58% | 83.33% | 80.21% | -1,088 bps | |
| Non-Interest Burden | 1.60% | 1.59% | 1.66% | 1.62% | 1.59% | 1.51% | 1.66% | 1.60% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.98% | -2.37% | 0.24% | 5.77% | 10.33% | 11.32% | 9.69% | 10.11% | +433 bps | |
| Loan Growth (YoY) | -8.37% | 1.60% | 2.62% | 10.71% | 13.21% | 11.14% | 11.43% | 11.52% | +80 bps | |
| Deposit Growth (YoY) | -4.48% | 0.55% | 3.71% | 3.52% | 5.39% | 11.16% | 7.36% | 10.41% | +690 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.71% | 0.94% | 0.51% | 0.64% | 0.42% | 0.36% | 1.09% | +59 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | -0.12% | -0.10% | -0.09% | -0.01% | 0.00% | 0.14% | +25 bps | |
| Allowance / Loans | 0.71% | 0.80% | 0.86% | 0.87% | 0.90% | 0.83% | 0.85% | 0.82% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 0.9x | 1.7x | 1.4x | 2.0x | 2.3x | 0.8x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 9.87% | 9.60% | 9.57% | 9.36% | 9.39% | 9.15% | 9.09% | -48 bps | |
| Total Risk-Based Capital | 10.15% | 9.87% | 9.60% | 9.57% | 9.36% | 9.39% | 9.15% | 9.09% | -48 bps | |
| Equity / Assets | 10.15% | 9.59% | 9.51% | 9.22% | 8.95% | 8.97% | 9.10% | 8.90% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.40% | 87.27% | 81.67% | 84.87% | 86.37% | 87.25% | 84.77% | 85.72% | +85 bps | |
| Liquid Assets / Assets | 26.45% | 23.86% | 25.41% | 25.02% | 25.29% | 24.50% | 24.68% | 24.76% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 384% | 358% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 1.15% | 1.39% | 1.64% | Beats 6% | 29 / 31 | ||
| Return on Equity | 3.06% | 11.05% | 13.35% | 16.66% | Beats 6% | 29 / 31 | ||
| Net Interest Margin | 2.04% | 3.00% | 3.28% | 3.75% | Beats 0% | 31 / 31 | ||
| Efficiency Ratio | 80.21% | 37.25% | 50.71% | 61.60% | Beats 10% | 29 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.09% | 0.18% | 0.41% | 1.00% | Beats 16% | 27 / 31 | ||
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.04% | 0.11% | Beats 39% | 20 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.09% | 10.88% | 11.50% | 13.72% | Beats 0% | 31 / 31 | ||
| Total Risk-Based Capital Ratio | 9.09% | 11.53% | 12.02% | 14.77% | Beats 0% | 31 / 31 | ||
| Equity / Assets | 8.90% | 8.90% | 10.15% | 11.24% | Beats 23% | 24 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.72% | 80.56% | 87.67% | 94.53% | 39th pctl | 19 / 31 | ||
| Loans / Assets | 68.65% | 67.81% | 73.77% | 76.85% | 26th pctl | 23 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||