First American Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 90.32 percentage points in Q2 2026, from 160.08% to 250.39%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First American Bank is 95th of 323 on return on assets, 1.52% as of Q2 2026. First American Bank reported 1.52% on return on assets for Q2 2026, 0.25 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 7.58% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 7.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 2.79% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 250.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 18.72% |
| Net interest margin | 3.47% |
| Efficiency ratio | 57.31% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.96% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 64.36% |
| Securities to assets | 55.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.04% | 12.04% | 13.00% | 7.10% | 1.94% |
| Q4 2023 | 13.17% | 13.17% | 14.17% | 7.29% | 1.49% |
| Q1 2024 | 12.18% | 12.18% | 13.13% | 7.48% | 1.76% |
| Q2 2024 | 12.49% | 12.49% | 13.49% | 6.96% | 1.63% |
| Q3 2024 | 13.16% | 13.16% | 14.26% | 7.34% | 1.68% |
| Q4 2024 | 13.42% | 13.42% | 14.47% | 7.55% | 1.72% |
| Q1 2025 | 13.60% | 13.60% | 14.62% | 7.53% | 1.66% |
| Q2 2025 | 13.05% | 13.05% | 14.06% | 7.16% | 1.60% |
| Q3 2025 | 13.62% | 13.62% | 14.67% | 7.29% | 1.76% |
| Q4 2025 | 14.27% | 14.27% | 15.28% | 7.75% | 1.81% |
| Q1 2026 | 14.33% | 14.33% | 15.35% | 7.82% | 1.51% |
| Q2 2026 | 13.77% | 13.77% | 14.80% | 7.58% | 1.52% |
First American Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3657) · FFIEC NIC profile (RSSD 850036)