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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | -0.59% | 0.05% | 0.16% | 0.30% | 0.40% | 0.25% | 0.31% | +15 bps | |
| Return on Equity | 0.14% | -5.97% | 0.50% | 1.71% | 3.35% | 4.50% | 2.73% | 3.44% | +173 bps | |
| Net Interest Margin | 1.48% | 1.60% | 1.74% | 1.85% | 1.91% | 2.05% | 2.02% | 2.07% | +21 bps | |
| Efficiency Ratio | 115.57% | 101.64% | 95.85% | 86.66% | 83.24% | 75.15% | 83.33% | 77.17% | -949 bps | |
| Non-Interest Burden | 1.72% | 1.62% | 1.66% | 1.59% | 1.56% | 1.49% | 1.66% | 1.56% | -3 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% | 0.33% | -0.12% | -0.09% | -0.08% | 0.23% | 0.00% | 0.29% | +37 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 | |