First Nations Bank
Chicago, IL · Cert 22282 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
$536.6MAssets
$419.3MLoans
$440.6MDeposits
$75.1MEquity
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: net interest margin trails 72% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 41 of 57).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.12%
Rank 18 of 57
Net Interest Margin
3.24%
Rank 41 of 57
Efficiency Ratio
52.57%
Rank 8 of 57
Equity / Assets
13.99%
Rank 20 of 57
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 88% of banks under $1B 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 | 1.12% | 0.51% | 0.84% | 1.19% | Beats 68% | 18 / 57 | |
| Return on Equity | 8.01% | 3.13% | 7.76% | 11.40% | Beats 51% | 28 / 57 | |
| Net Interest Margin | 3.24% | 3.16% | 3.63% | 4.08% | Beats 28% | 41 / 57 | |
| Efficiency Ratio | 52.57% | 59.57% | 69.70% | 81.06% | Beats 88% | 8 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.34% | 1.78% | Beats 66% | 20 / 56 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 18.51% | 12.24% | 16.06% | 19.69% | Beats 68% | 18 / 57 | |
| Total Risk-Based Capital Ratio | 19.77% | 12.54% | 16.50% | 20.95% | Beats 68% | 18 / 57 | |
| Equity / Assets | 13.99% | 9.37% | 11.56% | 15.00% | Beats 65% | 20 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 95.16% | 66.29% | 85.59% | 95.16% | 74th pctl | 15 / 57 | |
| Loans / Assets | 78.13% | 57.07% | 71.07% | 78.13% | 74th pctl | 15 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |