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 | |