First Bank and Trust Company of Illinois: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First Bank and Trust Company of Illinois. It reported $229 million in assets at June 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 8.37% of loans from 4.53% a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 28.5% of the capital and reserves that would absorb them, 10.8 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $548,000 was 73% below a year earlier. Over the same year, loans grew 13.6% and deposits grew 1.5%. Profitability lags: it returns 5.9% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, First Bank and Trust Company of Illinois reported a CET1 capital ratio of 25.03%, a return on assets of 0.96%, a nonperforming-loan ratio of 8.37% and a Texas ratio of 28.51%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 300 E Northwest Hwy, Palatine, IL 60067
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 20, 1962
- Offices
- 1 domestic
- Employees (FTE)
- 28
- Domestic deposits
- $189.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $227.3M
- Average total loans
- $124.9M
- Average interest-bearing deposits
- $122.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1962
- FDIC Cert
- 18641
- Fed RSSD
- 646444
- Website
- www.firstbankillinois.com →
- Parent Holding Company
- NORTHWEST BANCORPORATION OF ILLINOIS, INC. (RSSD 1202986)
- Ultimate Parent
- AMERINATIONAL COMMUNITY SERVICES, LLC (RSSD 5880113)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Bank and Trust Company of Illinois terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Bank and Trust Company of Illinois, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First Bank and Trust Company of Illinois rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.03% | 0.96% | 8.37% | 28.51% | 4.95% |
| Q1 2026 | 25.08% | 1.89% | 3.23% | 10.90% | 5.95% |
| Q4 2025 | — | 1.37% | 3.18% | 11.02% | 5.43% |
| Q3 2025 | — | 2.08% | 1.04% | 14.44% | 5.89% |
| Q2 2025 | — | 3.60% | 1.01% | 14.92% | 6.75% |
| Q1 2025 | 21.94% | -0.07% | 0.87% | 15.79% | 6.69% |
| Q4 2024 | 22.30% | -7.13% | 2.51% | 21.99% | 8.58% |
| Q3 2024 | 20.21% | -3.78% | 2.74% | 26.71% | 6.22% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank and Trust Company of Illinois (main office) | Palatine , IL | 60067 | $189.5M |
Regulatory record
What the public regulatory sources show for First Bank and Trust Company of Illinois, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, NORTHWEST BANCORPORATION OF ILLINOIS, INC., not the bank itself
- June 7, 2011, Federal Reserve: Written Agreement: Northwest Bancorporation of Illinois, Inc., Palatine, Illinois
- Period: Most recent institution action June 7, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 216 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Bank and Trust Company of Illinois
What are First Bank and Trust Company of Illinois's total assets?
As of the Q2 2026 filing, First Bank and Trust Company of Illinois reported total assets of $228.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank and Trust Company of Illinois headquartered?
First Bank and Trust Company of Illinois is headquartered in Palatine, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Bank and Trust Company of Illinois founded?
First Bank and Trust Company of Illinois was established in 1962, per the FDIC institution directory.
Is First Bank and Trust Company of Illinois FDIC-insured?
Yes. First Bank and Trust Company of Illinois is an FDIC-insured commercial bank (FDIC Certificate #18641). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank and Trust Company of Illinois?
First Bank and Trust Company of Illinois'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 First Bank and Trust Company of Illinois's CET1 capital ratio?
First Bank and Trust Company of Illinois reported a Common Equity Tier 1 (CET1) capital ratio of 25.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank and Trust Company of Illinois operate?
First Bank and Trust Company of Illinois operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank and Trust Company of Illinois's Texas Ratio?
First Bank and Trust Company of Illinois's Texas Ratio is 28.51% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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