PackageTrendsPeer
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First Bank and Trust Company of Illinois

Palatine, IL · Cert 18641 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Amerinational Cmty Services LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$228.6MAssets
$129.4MLoans
$189.5MDeposits
$37.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 56).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.39%

Rank 12 of 57

Net Interest Margin

5.26%

Rank 2 of 57

Efficiency Ratio

62.64%

Rank 20 of 57

Equity / Assets

16.24%

Rank 12 of 57

Non-interest income vs. expense

$0.0M$7.5MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 67% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 62.64%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.39%0.51%0.84%1.19%Beats 79%12 / 57
Return on Equity8.57%3.13%7.76%11.40%Beats 54%26 / 57
Net Interest Margin5.26%3.16%3.63%4.08%Beats 96%2 / 57
Efficiency Ratio62.64%59.57%69.70%81.06%Beats 67%20 / 57
Asset Quality
Nonperforming Loans / Loans8.37%0.06%0.34%1.78%Beats 4%55 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio25.03%12.24%16.06%19.69%Beats 86%8 / 57
Total Risk-Based Capital Ratio26.28%12.54%16.50%20.95%Beats 89%6 / 57
Equity / Assets16.24%9.37%11.56%15.00%Beats 79%12 / 57
Liquidity & Funding
Loans / Deposits68.29%66.29%85.59%95.16%26th pctl42 / 57
Loans / Assets56.62%57.07%71.07%78.13%23rd pctl44 / 57
Brokered Deposits / Depositsn/aNot reported for this institution