Chicago, IL · Cert 25883 · First Eagle Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
63
Profitability
74
Liquidity
51
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chicago, IL · Cert 25883 · First Eagle Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #71 of 147 inst. · $0.5B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.52% | 1.87% | 1.87% | 1.83% | 1.87% | 1.63% | 1.79% | -8 bps | |
| Return on Equity | 7.22% | 7.71% | 9.53% | 9.45% | 9.23% | 9.31% | 7.82% | 8.63% | -82 bps | |
| Net Interest Margin | 3.40% | 3.35% | 3.70% | 3.78% | 3.77% | 3.80% | 4.04% | 4.08% | +30 bps | |
| Efficiency Ratio | 47.68% | 46.65% | 44.89% | 43.36% | 42.06% | 42.35% | 41.08% | 40.39% | -298 bps | |
| Non-Interest Burden | 1.52% | 1.46% | 1.55% | 1.53% | 1.47% | 1.46% | 1.52% | 1.49% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.46% | 7.29% | 7.70% | 7.28% | 9.01% | 3.27% | 5.22% | 7.49% | +22 bps | |
| Loan Growth (YoY) | 5.47% | 8.00% | 9.62% | 7.31% | 5.54% | 6.81% | 10.41% | 12.22% | +491 bps | |
| Deposit Growth (YoY) | -4.24% | 3.47% | 3.45% | 2.31% | 6.64% | 0.86% | 3.10% | 7.42% | +511 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.15% | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.33% | 1.31% | 1.35% | 1.30% | 1.27% | 1.29% | -2 bps | |
| Allowance Coverage of NPLs | 2.8x | 9.1x | 9.0x | 315.0x | n/a | n/a | n/a | 12.7x | -302.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.19% | 20.46% | 20.81% | 21.07% | 20.88% | 21.03% | 21.46% | 21.29% | +23 bps | |
| Total Risk-Based Capital | 21.19% | 20.46% | 20.81% | 21.07% | 20.88% | 21.03% | 21.46% | 21.29% | +23 bps | |
| Equity / Assets | 20.33% | 19.31% | 19.86% | 20.04% | 20.21% | 20.97% | 20.80% | 20.35% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.14% | 92.45% | 93.39% | 93.73% | 92.17% | 97.91% | 100.02% | 97.92% | +419 bps | |
| Liquid Assets / Assets | 4.69% | 6.98% | 5.98% | 6.73% | 8.74% | 4.71% | 4.19% | 6.04% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.04% | 168.94% | 181.63% | n/a | n/a | |
Chicago, IL · Cert 25883 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Eagle Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.73%
Rank 4 of 57
Net Interest Margin
4.08%
Rank 14 of 57
Efficiency Ratio
40.39%
Rank 2 of 57
Equity / Assets
20.35%
Rank 7 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.51% | 0.84% | 1.19% | Beats 93% | 4 / 57 | ||
| Return on Equity | 8.49% | 3.13% | 7.76% | 11.40% | Beats 53% | 27 / 57 | ||
| Net Interest Margin | 4.08% | 3.16% | 3.63% | 4.08% | Beats 75% | 14 / 57 | ||
| Efficiency Ratio | 40.39% | 59.57% | 69.70% | 81.06% | Beats 98% | 2 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.06% | 0.34% | 1.78% | Beats 71% | 17 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 54% | 27 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.29% | 12.24% | 16.06% | 19.69% | Beats 77% | 13 / 57 | ||
| Total Risk-Based Capital Ratio | 21.29% | 12.54% | 16.50% | 20.95% | Beats 75% | 14 / 57 | ||
| Equity / Assets | 20.35% | 9.37% | 11.56% | 15.00% | Beats 88% | 7 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.92% | 66.29% | 85.59% | 95.16% | 82nd pctl | 10 / 57 | ||
| Loans / Assets | 70.54% | 57.07% | 71.07% | 78.13% | 47th pctl | 30 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||