Kankakee, IL · Cert 34778 · First Trust Financial Corp.
State charter, non-member · FDIC · 5 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
53
Profitability
43
Liquidity
0
Efficiency
86
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.
Kankakee, IL · Cert 34778 · First Trust Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Kankakee, IL · 2026 SOD (annual) · 10.0% share · #5 of 13 inst. · $0.3B of $2.8B
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 | 0.68% | 0.64% | 0.66% | 0.76% | 0.81% | 0.82% | 1.09% | 1.05% | +28 bps | |
| Return on Equity | 8.59% | 8.11% | 8.54% | 9.75% | 10.06% | 9.97% | 12.13% | 11.87% | +212 bps | |
| Net Interest Margin | 2.43% | 2.34% | 2.27% | 2.34% | 2.45% | 2.43% | 2.69% | 2.63% | +30 bps | |
| Efficiency Ratio | 67.38% | 69.00% | 67.43% | 63.22% | 61.42% | 61.02% | 51.81% | 52.53% | -1,068 bps | |
| Non-Interest Burden | 1.54% | 1.53% | 1.45% | 1.38% | 1.40% | 1.39% | 1.27% | 1.26% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.52% | -0.28% | 3.49% | 4.75% | 6.15% | 4.21% | 2.02% | 7.75% | +300 bps | |
| Loan Growth (YoY) | 1.35% | -2.18% | -1.90% | 0.43% | -1.37% | 0.62% | -4.45% | -5.05% | -548 bps | |
| Deposit Growth (YoY) | 0.06% | -2.25% | 0.46% | 1.53% | -0.03% | 1.87% | 1.87% | 6.62% | +509 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.98% | 0.97% | 1.69% | 1.84% | 1.76% | 0.95% | 0.71% | -98 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.14% | 1.12% | 1.14% | 1.12% | 1.18% | 1.16% | +4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.2x | 0.7x | 0.6x | 0.6x | 1.2x | 1.6x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.97% | 10.70% | 10.18% | 10.28% | 10.63% | 10.45% | 10.49% | 10.26% | -2 bps | |
| Total Risk-Based Capital | 16.55% | 15.76% | 14.30% | 10.28% | 10.63% | 15.65% | 16.77% | 15.80% | +552 bps | |
| Equity / Assets | 8.69% | 7.67% | 7.80% | 7.94% | 8.60% | 9.03% | 8.87% | 8.52% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.56% | 49.99% | 47.96% | 50.17% | 49.89% | 49.38% | 44.99% | 44.68% | -549 bps | |
| Liquid Assets / Assets | 4.56% | 5.62% | 7.37% | 5.21% | 7.08% | 5.32% | 8.19% | 8.40% | +320 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 150.19% | 147.46% | 143.03% | n/a | n/a | |
Kankakee, IL · Cert 34778 · Peer group: banks under $1B in assets (n=581-629) · First Trust Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.02%
Rank 311 of 629
Net Interest Margin
2.63%
Rank 553 of 629
Efficiency Ratio
52.53%
Rank 90 of 629
Equity / Assets
8.52%
Rank 521 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.60% | 1.01% | 1.45% | Beats 51% | 311 / 629 | ||
| Return on Equity | 11.92% | 5.38% | 9.30% | 13.28% | Beats 66% | 212 / 629 | ||
| Net Interest Margin | 2.63% | 3.03% | 3.54% | 4.05% | Beats 12% | 553 / 629 | ||
| Efficiency Ratio | 52.53% | 58.35% | 67.79% | 79.08% | Beats 86% | 90 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.46% | 1.20% | Beats 38% | 362 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 195 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.16% | 11.24% | 13.84% | 18.77% | Beats 61% | 247 / 629 | ||
| Total Risk-Based Capital Ratio | 15.80% | 11.58% | 14.43% | 19.66% | Beats 59% | 256 / 629 | ||
| Equity / Assets | 8.52% | 9.09% | 10.65% | 13.80% | Beats 17% | 521 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.68% | 67.24% | 80.90% | 93.48% | 8th pctl | 547 / 594 | ||
| Loans / Assets | 35.67% | 53.31% | 67.71% | 78.15% | 13th pctl | 548 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||