1st Equity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.35 percentage points higher than in Q1 2026, at 112.14%. 1st Equity Bank ranks 166th of 323 Illinois banks on return on assets, in the lower half at 1.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. 1st Equity Bank sits 0.09 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.22% |
| Tier 1 risk-based capital ratio | 21.22% |
| Total risk-based capital ratio | 22.48% |
| Tier 1 leverage ratio | 16.46% |
| Equity capital to assets | 16.58% |
| Tangible equity to tangible assets | 15.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 6.85% |
| Net interest margin | 4.05% |
| Efficiency ratio | 70.44% |
| Yield on earning assets | 6.33% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.14% |
| Core deposits to total deposits | 91.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.43% |
| Securities to assets | 0.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.72% | 21.72% | 22.98% | 15.76% | 1.57% |
| Q4 2023 | 21.65% | 21.65% | 22.90% | 15.71% | 0.54% |
| Q1 2024 | 22.02% | 22.02% | 23.27% | 16.31% | 2.25% |
| Q2 2024 | 20.32% | 20.32% | 21.57% | 17.73% | 1.66% |
| Q3 2024 | 21.16% | 21.16% | 22.42% | 17.13% | 1.28% |
| Q4 2024 | 21.72% | 21.72% | 22.98% | 16.07% | 1.00% |
| Q1 2025 | 23.84% | 23.84% | 25.10% | 16.41% | 1.85% |
| Q2 2025 | 21.67% | 21.67% | 22.93% | 16.58% | 1.58% |
| Q3 2025 | 21.52% | 21.52% | 22.77% | 16.45% | 1.92% |
| Q4 2025 | 20.72% | 20.72% | 21.97% | 15.92% | 1.20% |
| Q1 2026 | 22.76% | 22.76% | 24.02% | 16.22% | 1.62% |
| Q2 2026 | 21.22% | 21.22% | 22.48% | 16.46% | 1.17% |
1st Equity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Equity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34393) · FFIEC NIC profile (RSSD 2531562)