FIRST TRUST BANK OF ILLINOIS

KANKAKEE, IL | Small | Est. July 30, 1998, midnight | FDIC #34778 | RSSD #2718596 | FDIC
Latest Report: 2025-12-31

FIRST TRUST BANK OF ILLINOIS is asn small FDIC-insured commercial bank headquartered in KANKAKEE, IL, established in July 30, 1998, midnight. As of 2025-12-31, the bank reported total assets of $384M and total deposits of $305M. Profitability stands at 0.85% ROA and 9.67% ROE, with a net interest margin of 2.79%. The bank's CET1 capital ratio is 15.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.62% and a Texas Ratio of 6.69%. FDIC Certificate #34778.

Assets

$384M

Deposits

$305M

Loans

$150M

Equity

$35M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 9.67%
Net Interest Margin (NIM) 2.79%
Yield on Assets 4.31%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 1.62%
Net Charge-Off Ratio 0.01%
Texas Ratio 6.69%
NPA Ratio 0.63%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 15.01%
Tier 1 Capital 15.01%
Total Capital Ratio 15.65%
Leverage Ratio 10.45%
Loan-to-Deposit 49.38%

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