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

Unfavorable gap of $144.6M · efficiency ratio beats 32% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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