Amalgamated Bank of Chicago
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Data as of · sourced from FFIEC call reports. How we update
Amalgamated Bank of Chicago is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1922 (FDIC certificate 903), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.33B, up 5.6% from Q2 2025, the 46th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 903
- Headquarters
- Chicago, IL
- Established
- 1922
- Total assets, Q2 2026
- $1.33B
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 15.60%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071003405
- Latest call report
- Q2 2026, FFIEC 051 · Amalgamated Bank of Chicago call report
- Holding company
- AMALGAMATED INVESTMENTS COMPANY
- Asset rank in state
- 46th of 319 in Illinois
Amalgamated Bank of Chicago, based in Chicago, Illinois, reported $1.3 billion in assets at June 30, 2026, up 5.6% from a year earlier. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.1 million, 53% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.67% of loans from 1.47%. One more trend to watch: loans are outrunning deposits: over the year loans rose 17.1% and deposits rose 6.6%.
As of June 30, 2026, Amalgamated Bank of Chicago reported a CET1 capital ratio of 15.60%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 3.81%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Amalgamated Bank of Chicago is the 46th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $1.33B, loans rose 2.5% and deposits rose 4.2%. Multifamily loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.5%. The FDIC Summary of Deposits lists 2 offices for it, in Chicago, IL and Warrenville, IL; its Chicago office books 89% of its branch deposits. On its Q2 2026 call report, Amalgamated Bank of Chicago meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20101 N Wacker Dr, Chicago, IL 60606
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 30, 1922
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 149
- Domestic deposits
- $1.14B
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- -$30K
- Average total assets
- $1.24B
- Average total loans
- $833.9M
- Average interest-bearing deposits
- $592.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 903
- Fed RSSD
- 397531
- Website
- www.aboc.com →
- Parent Holding Company
- AMALGAMATED INVESTMENTS COMPANY (RSSD 1020676)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Amalgamated Bank of Chicago's total assets ranged from $1.03B (Q3 2023) to $1.47B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.33B total assets against $1.26B; $1.19B total liabilities against $1.13B.
$842.7M net loans and leases against $716.1M; $1.14B total deposits against $1.07B.
$81.9M securities against $106.2M; $354.4M cash and balances due against $376.9M.
$16.0M total interest income against $14.6M; $4.3M total interest expense against $4.3M.
$11.6M net interest income against $10.2M.
$4.1M total noninterest income against $4.1M; $10.3M total noninterest expense against $10.4M.
-$44K provision for credit losses against $323K.
$4.1M net income against $2.7M.
1.31% return on assets against 0.91%; 3.87% net interest margin against 3.67%.
15.60% CET1 capital ratio against 16.14%; 11.41% tier 1 leverage ratio against 11.02%.
Inside the full Amalgamated Bank of Chicago terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Amalgamated Bank of Chicago rankings
Its closest position to the top of a national ranking is 79 of 980, for uninsured deposits; its furthest is 2,387 of 3,606, for efficiency ratio.
Metric pages for Amalgamated Bank of Chicago: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q2 2025) to 1.34% (Q3 2025) and its net interest margin ran from 3.67% (Q2 2025) to 3.99% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.60% | 1.31% | 0.67% | 3.81% | 3.87% |
| Q1 2026 | 15.68% | 1.20% | 0.68% | 3.89% | 3.93% |
| Q4 2025 | 16.11% | 1.25% | 0.99% | 5.46% | 3.92% |
| Q3 2025 | 15.49% | 1.34% | 0.98% | 5.57% | 3.82% |
| Q2 2025 | 16.14% | 0.91% | 1.47% | 7.75% | 3.67% |
| Q1 2025 | 15.75% | 0.95% | 1.47% | 7.87% | 3.72% |
| Q4 2024 | 14.99% | 1.14% | 1.42% | 8.24% | 3.95% |
| Q3 2024 | 14.79% | 0.97% | 0.42% | 2.58% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amalgamated Bank of Chicago (main office) | Chicago , IL | 60602 | $1.02B |
| Warrenville Branch | Warrenville , IL | 60555 | $120.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2006 | Structure Change | Acquired Amalgatrust Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 63 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 22 applications, 20 loans originated, $33.8M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $123K approved, $123K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Amalgamated Bank of Chicago
What are Amalgamated Bank of Chicago's total assets?
As of the Q2 2026 filing, Amalgamated Bank of Chicago reported total assets of $1.33 billion in its FFIEC call report.
Where is Amalgamated Bank of Chicago headquartered?
It is headquartered in Chicago, IL, United States.
When was Amalgamated Bank of Chicago founded?
It was established in 1922, per the FDIC institution directory.
Is Amalgamated Bank of Chicago FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amalgamated Bank of Chicago?
Amalgamated Bank of Chicago's primary federal regulator is the FDIC.
What is Amalgamated Bank of Chicago's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Amalgamated Bank of Chicago operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amalgamated Bank of Chicago's Texas Ratio?
Its Texas Ratio is 3.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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