First Trust Bank of Illinois
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
$406.3MAssets
$144.9MLoans
$324.4MDeposits
$34.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of banks under $1B in assets (rank 90 of 629).
- Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 553 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 86% of banks under $1B in assets | 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 |