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
Unfavorable gap of $34.5M · efficiency ratio beats 10% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |