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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.51% | 0.66% | 0.85% | 0.90% | 0.85% | 1.09% | 1.01% | +16 bps | |
| Return on Equity | 7.43% | 6.28% | 8.54% | 10.81% | 10.88% | 9.67% | 12.13% | 11.57% | +76 bps | |
| Net Interest Margin | 2.30% | 2.26% | 2.27% | 2.40% | 2.55% | 2.57% | 2.69% | 2.67% | +27 bps | |
| Efficiency Ratio | 69.65% | 74.22% | 67.43% | 59.25% | 58.06% | 59.86% | 51.81% | 53.23% | -602 bps | |
| Non-Interest Burden | 1.51% | 1.62% | 1.45% | 1.31% | 1.36% | 1.47% | 1.27% | 1.30% | -1 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 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 | |