FIRST BANK AND TRUST COMPANY OF ILLINOIS
FIRST BANK AND TRUST COMPANY OF ILLINOIS is an FDIC-insured commercial bank headquartered in PALATINE, IL, established in 1962. As of , 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 5.48%. CET1 capital ratio: 15.99%, well above regulatory minimums. NPL ratio: 3.18% · Texas Ratio: 10.67%. Operates 1 domestic branch.
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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Bank and Trust Company of Illinois 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 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 |
|---|---|---|---|---|---|
| 2025-12-31 | 15.99% | 1.38% | 3.18% | 10.67% | 5.48% |
| 2025-09-30 | 14.74% | 2.11% | 1.04% | 3.16% | 6.10% |
| 2025-06-30 | 14.61% | 3.65% | 1.01% | 3.19% | 6.81% |
| 2025-03-31 | 21.94% | -0.07% | 0.87% | 3.37% | 6.73% |
| 2024-12-31 | 22.30% | -7.24% | 2.51% | 9.41% | -13.79% |
| 2024-09-30 | 20.21% | -3.85% | 2.74% | 11.72% | 6.27% |
| 2024-06-30 | 21.15% | 3.21% | 0.00% | 0.00% | 7.98% |
| 2024-03-31 | 19.09% | 2.46% | 0.00% | 0.00% | 7.50% |
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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 Q4 2025 filing, First Bank and Trust Company of Illinois reported total assets of $215.9 million in its most recent 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 required of all FDIC-insured commercial banks.
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 15.99% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Bank and Trust Company of Illinois operate?
First Bank and Trust Company of Illinois operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Bank and Trust Company of Illinois's Texas Ratio?
First Bank and Trust Company of Illinois's Texas Ratio is 10.67% — 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.