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First Savings Bank of Hegewisch

Chicago, IL · Cert 29809 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 14 branches

Q2 2026

$787.0MAssets
$354.0MLoans
$666.6MDeposits
$118.1MEquity

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 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.15%

Rank 50 of 57

Net Interest Margin

1.78%

Rank 56 of 57

Efficiency Ratio

91.05%

Rank 50 of 57

Equity / Assets

15.00%

Rank 15 of 57

Non-interest income vs. expense

$1.1M$13.9MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 14% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 91.05%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%0.51%0.84%1.19%Beats 12%50 / 57
Return on Equity0.99%3.13%7.76%11.40%Beats 16%48 / 57
Net Interest Margin1.78%3.16%3.63%4.08%Beats 2%56 / 57
Efficiency Ratio91.05%59.57%69.70%81.06%Beats 14%50 / 57
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.34%1.78%Beats 75%15 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio38.89%12.24%16.06%19.69%Beats 95%3 / 57
Total Risk-Based Capital Ratio39.51%12.54%16.50%20.95%Beats 95%3 / 57
Equity / Assets15.00%9.37%11.56%15.00%Beats 74%15 / 57
Liquidity & Funding
Loans / Deposits53.11%66.29%85.59%95.16%7th pctl53 / 57
Loans / Assets44.98%57.07%71.07%78.13%7th pctl53 / 57
Brokered Deposits / Depositsn/aNot reported for this institution