PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Brookfield

Brookfield, IL · Cert 18564 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Brookfield Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$419.6MAssets
$395.3MLoans
$334.7MDeposits
$55.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 42 of 57).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.85%

Rank 3 of 57

Net Interest Margin

4.19%

Rank 11 of 57

Efficiency Ratio

43.83%

Rank 4 of 57

Equity / Assets

13.32%

Rank 24 of 57

Non-interest income vs. expense

$1.3M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 43.83%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.85%0.51%0.84%1.19%Beats 95%3 / 57
Return on Equity13.90%3.13%7.76%11.40%Beats 91%5 / 57
Net Interest Margin4.19%3.16%3.63%4.08%Beats 81%11 / 57
Efficiency Ratio43.83%59.57%69.70%81.06%Beats 95%4 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 41%34 / 56
Capital
Tier 1 Capital Ratio13.04%12.24%16.06%19.69%Beats 30%40 / 57
Total Risk-Based Capital Ratio13.04%12.54%16.50%20.95%Beats 26%42 / 57
Equity / Assets13.32%9.37%11.56%15.00%Beats 58%24 / 57
Liquidity & Funding
Loans / Deposits118.12%66.29%85.59%95.16%93rd pctl4 / 57
Loans / Assets94.21%57.07%71.07%78.13%98th pctl1 / 57
Brokered Deposits / Depositsn/aNot reported for this institution