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
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 $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.
Capital
51
Asset Quality
44
Profitability
45
Liquidity
0
Efficiency
32
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.
Elk Grove Village, IL · Cert 3657 · First American Bank Corp.
State charter, non-member · FDIC · 58 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #21 of 147 inst. · $4.2B of $630.7B
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 | 1.34% | 1.35% | 1.30% | 1.29% | 1.33% | 1.36% | 1.19% | 1.20% | -9 bps | |
| Return on Equity | 16.66% | 16.72% | 16.06% | 16.33% | 16.82% | 16.97% | 14.12% | 14.41% | -192 bps | |
| Net Interest Margin | 3.74% | 3.62% | 3.55% | 3.42% | 3.43% | 3.46% | 3.37% | 3.28% | -14 bps | |
| Efficiency Ratio | 55.95% | 56.33% | 59.03% | 57.74% | 56.59% | 56.53% | 59.24% | 58.30% | +56 bps | |
| Non-Interest Burden | 1.87% | 1.82% | 1.89% | 1.77% | 1.73% | 1.75% | 1.78% | 1.70% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 11.82% | 8.84% | 14.62% | 11.07% | 9.80% | 5.11% | 6.38% | -823 bps | |
| Loan Growth (YoY) | 6.67% | 9.73% | 6.37% | 5.41% | 5.76% | 6.13% | 6.98% | 9.37% | +397 bps | |
| Deposit Growth (YoY) | 3.54% | 4.59% | 4.87% | 2.89% | 1.52% | 1.00% | 3.87% | 10.63% | +773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.52% | 0.31% | 0.40% | 0.40% | 0.82% | 0.91% | 0.60% | +20 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.14% | 0.16% | 0.07% | 0.08% | 0.07% | 0.01% | -0.01% | -8 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.35% | 1.39% | 1.39% | 1.33% | 1.35% | 1.36% | -3 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.7x | 4.3x | 3.5x | 3.5x | 1.6x | 1.5x | 2.3x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.34% | 7.55% | 7.53% | 7.16% | 7.29% | 7.75% | 7.82% | 7.58% | +42 bps | |
| Total Risk-Based Capital | 14.26% | 14.47% | 14.62% | 14.06% | 14.67% | 15.28% | 15.35% | 14.80% | +74 bps | |
| Equity / Assets | 8.02% | 8.19% | 8.00% | 7.49% | 7.92% | 8.49% | 8.37% | 8.05% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.92% | 59.46% | 59.39% | 61.66% | 61.38% | 62.48% | 61.17% | 60.96% | -70 bps | |
| Liquid Assets / Assets | 0.68% | 1.56% | 1.31% | 0.61% | 0.56% | 0.84% | 0.78% | 0.92% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.74% | 186.87% | 184.29% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 1.15% | 1.39% | 1.64% | Beats 23% | 24 / 31 | ||
| Return on Equity | 14.32% | 11.05% | 13.35% | 16.66% | Beats 65% | 11 / 31 | ||
| Net Interest Margin | 3.28% | 3.00% | 3.28% | 3.75% | Beats 48% | 16 / 31 | ||
| Efficiency Ratio | 59.58% | 37.25% | 50.71% | 61.60% | Beats 32% | 22 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.18% | 0.41% | 1.00% | Beats 39% | 20 / 31 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.04% | 0.11% | Beats 48% | 17 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.77% | 10.88% | 11.50% | 13.72% | Beats 77% | 7 / 31 | ||
| Total Risk-Based Capital Ratio | 14.80% | 11.53% | 12.02% | 14.77% | Beats 77% | 7 / 31 | ||
| Equity / Assets | 8.05% | 8.90% | 10.15% | 11.24% | Beats 0% | 31 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.96% | 80.56% | 87.67% | 94.53% | 0th pctl | 31 / 31 | ||
| Loans / Assets | 39.24% | 67.81% | 73.77% | 76.85% | 0th pctl | 31 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||