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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

$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