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First American Bank

Elk Grove Village, IL · Cert 3657 · First American Bank Corp.

State charter, non-member · FDIC · 58 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First American Bank

Elk Grove Village, IL · Cert 3657 · First American Bank Corp.

State charter, non-member · FDIC · 58 branches

Q2 2026

$8.6BAssets
$3.4BLoans
$5.6BDeposits
$694.5MEquity
Loan mix
61%RE $1.9B22%C&I $0.7B17%Consumer $0.5BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $4.0B28%Noninterest $1.5BQ2 2025Q2 2026

NIM

5.87%Q2 ’245.31%Q2 ’255.11%Q2 ’26-5%-4%

Non-interest income vs. expense

2.41%Q2 ’242.37%Q2 ’252.33%Q2 ’26-2%-4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #21 of 147 inst. · $4.2B of $630.7B

0.6% Cook
0.4% Miami-Dade
3.8% Kane
11.2% Kenosha

Executive Summary

  • Earnings: ROA of 1.20%, down 9 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.60% of loans (+20 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 7.58%, up 42 bps from a year ago.
  • Funding: loans stand at 60.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-14 bps YoY

Efficiency Ratio (YTD, annualized)

58.30%+56 bps YoY

Tier 1 Leverage Ratio

7.58%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.33%1.36%1.19%1.20%-9 bps
Return on Equity16.33%16.82%16.97%14.12%14.41%-192 bps
Net Interest Margin3.42%3.43%3.46%3.37%3.28%-14 bps
Efficiency Ratio57.74%56.59%56.53%59.24%58.30%+56 bps
Non-Interest Burden1.77%1.73%1.75%1.78%1.70%-8 bps
Growth
Asset Growth (YoY)14.62%11.07%9.80%5.11%6.38%-823 bps
Loan Growth (YoY)5.41%5.76%6.13%6.98%9.37%+397 bps
Deposit Growth (YoY)2.89%1.52%1.00%3.87%10.63%+773 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.40%0.82%0.91%0.60%+20 bps
Net Charge-Offs / Loans0.07%0.08%0.07%0.01%-0.01%-8 bps
Allowance / Loans1.39%1.39%1.33%1.35%1.36%-3 bps
Allowance Coverage of NPLs3.5x3.5x1.6x1.5x2.3x-1.2x
Capital
Tier 1 Leverage Ratio7.16%7.29%7.75%7.82%7.58%+42 bps
Total Risk-Based Capital14.06%14.67%15.28%15.35%14.80%+74 bps
Equity / Assets7.49%7.92%8.49%8.37%8.05%+56 bps
Liquidity & Funding
Loans / Deposits61.66%61.38%62.48%61.17%60.96%-70 bps
Liquid Assets / Assets0.61%0.56%0.84%0.78%0.92%+31 bps
CRE / Total Capitaln/a186.74%186.87%184.29%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First American Bank

Elk Grove Village, IL · Cert 3657 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · First American Bank Corp.

State charter, non-member · FDIC · 58 branches

Q2 2026

$8.6BAssets
$3.4BLoans
$5.6BDeposits
$694.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 77% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 7 of 31).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.15%

Rank 24 of 31

Net Interest Margin

3.28%

Rank 16 of 31

Efficiency Ratio

59.58%

Rank 22 of 31

Equity / Assets

8.05%

Rank 31 of 31

Non-interest income vs. expense

$53.9M$198.5MINCOMEEXPENSE
Unfavorable gap of $144.6M · efficiency ratio beats 32% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 59.58%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%1.15%1.39%1.64%Beats 23%24 / 31
Return on Equity14.32%11.05%13.35%16.66%Beats 65%11 / 31
Net Interest Margin3.28%3.00%3.28%3.75%Beats 48%16 / 31
Efficiency Ratio59.58%37.25%50.71%61.60%Beats 32%22 / 31
Asset Quality
Nonperforming Loans / Loans0.60%0.18%0.41%1.00%Beats 39%20 / 31
Net Charge-Offs / Loans0.05%0.00%0.04%0.11%Beats 48%17 / 31
Capital
Tier 1 Capital Ratio13.77%10.88%11.50%13.72%Beats 77%7 / 31
Total Risk-Based Capital Ratio14.80%11.53%12.02%14.77%Beats 77%7 / 31
Equity / Assets8.05%8.90%10.15%11.24%Beats 0%31 / 31
Liquidity & Funding
Loans / Deposits60.96%80.56%87.67%94.53%0th pctl31 / 31
Loans / Assets39.24%67.81%73.77%76.85%0th pctl31 / 31
Brokered Deposits / Depositsn/aNot reported for this institution