1st Equity Bank
Capital moved notably last quarter — CET1 ratio of 22.76% was up 204bps from the prior quarter. 1st Equity Bank is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $126M in assets, including $90M in loans. Returns are notably above industry norms: 1.62% ROA, 9.78% ROE, and 3.87% NIM. Capital cushions are healthy: 22.76% CET1, 16.22% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. The bank operates from a single office.
Headquarters Profile
- Address
- 3956 Dempster St, SKOKIE, IL 60076
- County
- Cook
- Metro Area
- CHICAGO-NAPERVILLE-ELGIN, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- June 9, 1997
- Branches
- 1 domestic
- Employees (FTE)
- 12
- FDIC Cert
- 34393
- Fed RSSD
- 2531562
- Website
- www.1stequitybank.net →
- Parent Holding Company
- FIRST EQUITY CORP. (RSSD 2531553)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
1st Equity Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about 1st Equity Bank
What are 1st Equity Bank's total assets?
As of the Q1 2026 filing, 1st Equity Bank reported total assets of $126.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st Equity Bank headquartered?
1st Equity Bank is headquartered in SKOKIE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1st Equity Bank founded?
1st Equity Bank was established in 1997, per the FDIC institution directory.
Is 1st Equity Bank FDIC-insured?
Yes. 1st Equity Bank is an FDIC-insured commercial bank (FDIC Certificate #34393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Equity Bank?
1st Equity Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st Equity Bank's CET1 capital ratio?
1st Equity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.76% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does 1st Equity Bank operate?
1st Equity Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is 1st Equity Bank's Texas Ratio?
1st Equity Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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