FIRST BANK AND TRUST COMPANY OF ILLINOIS

PALATINE, IL | Small | Est. Dec. 20, 1962, midnight | FDIC #18641 | RSSD #646444 | FDIC
Latest Report: 2025-12-31

FIRST BANK AND TRUST COMPANY OF ILLINOIS is asn small FDIC-insured commercial bank headquartered in PALATINE, IL, established in Dec. 20, 1962, midnight. As of 2025-12-31, the bank reported total assets of $216M and total deposits of $178M. Profitability stands at 1.38% ROA and 8.72% ROE, with a net interest margin of 5.83%. The bank's CET1 capital ratio is 15.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.18% and a Texas Ratio of 10.67%. FDIC Certificate #18641.

Assets

$216M

Deposits

$178M

Loans

$126M

Equity

$36M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 8.72%
Net Interest Margin (NIM) 5.83%
Yield on Assets 7.61%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 3.18%
Net Charge-Off Ratio 2.51%
Texas Ratio 10.67%
NPA Ratio 1.85%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 15.99%
Tier 1 Capital 15.99%
Total Capital Ratio 16.79%
Leverage Ratio 15.41%
Loan-to-Deposit 70.55%

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