First American Bank (Elk Grove Village, IL)
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Data as of · sourced from FFIEC call reports. How we update
First American Bank is an FDIC-insured commercial bank headquartered in Elk Grove Village, IL, established in 1901 (FDIC certificate 3657), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.63B, up 6.4% from Q2 2025, the 9th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.77% 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
- 3657
- Headquarters
- Elk Grove Village, IL
- Established
- 1901
- Total assets, Q2 2026
- $8.63B
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 13.77%
- Domestic offices
- 58 FDIC institution directory, current count
- Routing number
- 071922777
- Latest call report
- Q2 2026, FFIEC 041 · First American Bank call report
- Holding company
- FIRST AMERICAN BANK CORPORATION
- Asset rank in state
- 9th of 319 in Illinois
First American Bank operates with a thinner capital cushion than most banks of its size. Based in Elk Grove Village, Illinois, it had $8.6 billion in assets at June 30, 2026, up 6.4% from a year earlier. It funds 7.58% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it returns 18.7% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.39% a year earlier. The commercial and industrial book ($744 million) is worsening: 1.70% of it is past due or on nonaccrual, up from 0.84% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, First American Bank reported a CET1 capital ratio of 13.77%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 2.79%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First American Bank is the 9th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.9% to $8.63B, loans rose 5.5% and deposits rose 5.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 22.0% of total loans, ahead of 1-4 family residential loans at 21.7%. Its 58 offices in the FDIC Summary of Deposits are in 43 cities across 3 states; its Elk Grove Village 3 offices book 28% of its branch deposits. On its Q2 2026 call report, First American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Busse Rd, Elk Grove Village, IL 60007
- 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 041
- Established
- March 26, 1901
- Former names
- First American Bank of Kane County (1986-1990); First American Bank of Dundee (1984-1986); The First Bank of Dundee (1974-1984); The First National Bank of Dundee (1970-1974)
- Domestic offices
- 58 FDIC institution directory, current count
- Employees (FTE)
- 861
- Domestic deposits
- $5.55B
- Allowance for credit losses
- $46.0M
- Net charge-offs (YTD)
- -$138K
- Average total assets
- $8.51B
- Average total loans
- $3.31B
- Average interest-bearing deposits
- $3.92B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3657
- Fed RSSD
- 850036
- SEC CIK
- 764632 → filed by FIRST AMERICAN BANK CORPORATION
- Website
- www.firstambank.com →
- Parent Holding Company
- FIRST AMERICAN BANK CORPORATION (RSSD 1199974)
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, First American Bank's total assets ranged from $6.61B (Q4 2023) to $8.63B (Q2 2026), 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
$8.63B total assets against $8.11B; $7.93B total liabilities against $7.50B.
$3.34B net loans and leases against $3.05B; $5.55B total deposits against $5.02B.
$4.75B securities against $4.62B; $157.0M cash and balances due against $112.7M.
$111.5M total interest income against $111.2M; $40.6M total interest expense against $40.8M.
$70.9M net interest income against $70.4M.
$13.6M total noninterest income against $11.9M; $49.5M total noninterest expense against $47.5M.
$2.5M provision for credit losses against $2.5M.
$32.3M net income against $32.1M.
1.52% return on assets against 1.60%; 3.47% net interest margin against 3.65%.
13.77% CET1 capital ratio against 13.05%; 7.58% tier 1 leverage ratio against 7.16%.
Inside the full First American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst American Bank rankings
Its closest position to the top of a national ranking is 184 of 4,196, for total assets; its furthest is 1,175 of 2,134, for CET1 ratio.
Metric pages for First American Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q1 2026) to 1.81% (Q4 2025) and its net interest margin ran from 3.47% (Q2 2026) to 3.94% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.52% | 0.60% | 2.79% | 3.47% |
| Q1 2026 | 14.33% | 1.51% | 0.91% | 3.97% | 3.50% |
| Q4 2025 | 14.27% | 1.81% | 0.82% | 3.58% | 3.70% |
| Q3 2025 | 13.62% | 1.76% | 0.40% | 1.86% | 3.67% |
| Q2 2025 | 13.05% | 1.60% | 0.40% | 1.95% | 3.65% |
| Q1 2025 | 13.60% | 1.66% | 0.31% | 1.52% | 3.72% |
| Q4 2024 | 13.42% | 1.72% | 0.52% | 2.51% | 3.79% |
| Q3 2024 | 13.16% | 1.68% | 0.47% | 2.25% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View all 58 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 |
|---|---|---|---|
| Www.Firstambank.Com Branch | Elk Grove Village , IL | 60007 | $1.21B |
| Green Bay Rd Br | Kenosha , WI | 53142 | $322.2M |
| First American Bank (main office) | Elk Grove Village , IL | 60007 | $263.1M |
| Sweetwater Branch | Miami , FL | 33165 | $236.0M |
| Bourbonnais Facility | Bourbonnais , IL | 60914 | $195.3M |
| Dundee Branch | Dundee , IL | 60118 | $185.2M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $170.0M |
| Miami Branch | Miami , FL | 33135 | $168.6M |
| Skokie Branch | Skokie , IL | 60076 | $160.6M |
| Riverside Facility | Riverside , IL | 60546 | $151.1M |
| Hampshire Facility | Hampshire , IL | 60140 | $135.7M |
| North Elston Branch | Chicago , IL | 60630 | $101.1M |
| Springhill Branch | Carpentersville , IL | 60110 | $100.3M |
| First American Bank Branch | Hialeah , FL | 33012 | $96.9M |
| Buffalo Grove Branch | Buffalo Grove , IL | 60089 | $91.7M |
| Geneva Branch | Geneva , IL | 60134 | $87.1M |
| Grand Avenue Facility | Lake Villa , IL | 60046 | $84.7M |
| Addison Branch | Addison , IL | 60101 | $83.4M |
| Melrose Park Branch | Melrose Park , IL | 60160 | $82.6M |
| Joliet Branch | Joliet , IL | 60435 | $79.9M |
| Stratford Branch | Bloomingdale , IL | 60108 | $76.0M |
| Monroe Branch | Chicago , IL | 60603 | $70.1M |
| Lake Zurich Branch | Lake Zurich , IL | 60047 | $63.9M |
| Milwaukee Avenue Facility | Vernon Hills , IL | 60061 | $63.1M |
| Niles Branch | Niles , IL | 60714 | $62.9M |
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 |
|---|---|---|---|
| October 24, 2019 | M&A | Acquired Continental National Bank merger for the acquired bank | SEC |
| October 24, 2019 | Structure Change | Acquired Continental National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2018 | M&A | Acquired Southport Bank merger for the acquired bank | SEC |
| February 18, 2018 | Structure Change | Acquired Southport Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2014 | M&A | Acquired Bank of Coral Gables merger for the acquired bank | SEC |
| December 6, 2014 | Structure Change | Acquired Bank of Coral Gables Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2010 | M&A | Acquired Town Community Bank and Trust failure_government_assistance_provided for the acquired bank | SEC |
| January 16, 2010 | Structure Change | Acquired Town Community Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 15, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 13, 1999 | M&A | Acquired First American Bank of Kankakee merger for the acquired bank | SEC |
| September 13, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 13, 1999 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1993 | M&A | Acquired First American Data Services Inc merger for the acquired bank | SEC |
| July 1, 1993 | Structure Change | Acquired First American Data Services Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 2, 1991 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 2, 1991 | M&A | Acquired First American Bank merger for the acquired bank | SEC |
| August 2, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1986 | M&A | Acquired First American Bank of Hampshire merger for the acquired bank | SEC |
| October 1, 1986 | Structure Change | Acquired First American Bank of Hampshire 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 23 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in IL, rank 25 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,458 applications, 2,588 loans originated, $518.4M originated, across 33 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 27 loans, $26.9M approved, $998K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 First American Bank
What are First American Bank's total assets?
As of the Q2 2026 filing, First American Bank reported total assets of $8.63 billion in its FFIEC call report.
Where is First American Bank headquartered?
It is headquartered in Elk Grove Village, IL, United States.
When was First American Bank founded?
It was established in 1901, per the FDIC institution directory.
Is First American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American Bank?
First American Bank's primary federal regulator is the FDIC.
What is First American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First American Bank operate?
It operates 58 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American Bank's Texas Ratio?
Its Texas Ratio is 2.79% 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.
What was First American Bank previously called?
The charter now named First American Bank has also operated as First American Bank of Kane County (1986-1990), First American Bank of Dundee (1984-1986), The First Bank of Dundee (1974-1984), The First National Bank of Dundee (1970-1974), per FDIC structure-change records.
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