First Bank and Trust Company of Illinois
First Bank and Trust Company of Illinois is an FDIC-insured commercial bank headquartered in Palatine, IL, supervised by the FDIC, with $228.6M in total assets at Q2 2026, up 2.8% from Q2 2025, the 181st largest of 319 banks headquartered in Illinois. It was established in 1962 and holds FDIC certificate 18641. Its CET1 capital ratio was 25.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18641
- Headquarters
- Palatine, IL
- Established
- 1962
- Total assets, Q2 2026
- $228.6M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 25.03%
- Domestic offices
- 1 · First Bank and Trust Company of Illinois branches FDIC institution directory, current count
- Routing number
- 071923336
- Safety and soundness
- Is First Bank and Trust Company of Illinois safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Bank and Trust Company of Illinois call report
- Holding company
- NORTHWEST BANCORPORATION OF ILLINOIS, INC.
- Asset rank in state
- 181st of 319 in Illinois
Problem loans are rising at First Bank and Trust Company of Illinois. It reported $229 million in assets at June 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 8.37% of loans from 4.53% a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 15.91% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings fell sharply: quarterly net income of $548,000 was 73% below a year earlier. Over the same year, loans grew 13.6% and deposits grew 1.5%. Credit is the area to watch: it carries problem assets equal to 28.5% of the capital and reserves that would absorb them, 10.7 times the median of 2.7% for banks its size.
As of June 30, 2026, First Bank and Trust Company of Illinois reported a CET1 capital ratio of 25.03%, a return on assets of 0.96%, a nonperforming-loan ratio of 8.37% and a Texas ratio of 28.51%. The figures come from its call report filed with the FFIEC.
First Bank and Trust Company of Illinois ranks as the 181st largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $228.6M, loans rose 2.7% and deposits rose 3.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 30.9% of total loans, followed by non-owner-occupied commercial real estate loans at 28.7%. Its one office in the FDIC Summary of Deposits is in Palatine, IL. Judged on its Q2 2026 call report, First Bank and Trust Company of Illinois meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E Northwest Hwy, Palatine, IL 60067
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 20, 1962
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $189.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $227.3M
- Average total loans
- $124.9M
- Average interest-bearing deposits
- $122.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1962
- FDIC Cert
- 18641
- Fed RSSD
- 646444
- Website
- www.firstbankillinois.com →
- Parent Holding Company
- NORTHWEST BANCORPORATION OF ILLINOIS, INC. (RSSD 1202986)
- Ultimate Parent
- AMERINATIONAL COMMUNITY SERVICES, LLC (RSSD 5880113)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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
Over the 12 quarters to Q2 2026, First Bank and Trust Company of Illinois's total assets ran between $206.0M (Q4 2024) and $228.6M (Q3 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$228.6M total assets against $222.3M; $191.5M total liabilities against $188.7M.
$127.4M net loans and leases against $111.6M; $189.5M total deposits against $186.8M.
$3.2M securities against $2.6M; $92.6M cash and balances due against $102.6M.
$3.6M total interest income against $4.8M; $818K total interest expense against $1.0M.
$2.8M net interest income against $3.8M.
$11K total noninterest income against $84K; $1.9M total noninterest expense against $1.4M.
$68K provision for credit losses against -$141K.
$548K net income against $2.0M.
0.96% return on assets against 3.60%; 4.95% net interest margin against 6.75%.
25.03% CET1 capital ratio; 15.91% tier 1 leverage ratio against 14.31%.
Inside the full First Bank and Trust Company of Illinois 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First Bank and Trust Company of Illinois rankings
Its closest position to the top of a national ranking is 68 of 3,640, for Texas Ratio; its furthest is 2,589 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -7.13% (Q4 2024) to 3.60% (Q2 2025) and its net interest margin ran from 4.95% (Q2 2026) to 6.75% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.03% | 0.96% | 8.37% | 28.51% | 4.95% |
| Q1 2026 | 25.08% | 1.89% | 3.23% | 10.90% | 5.95% |
| Q4 2025 | — | 1.37% | 3.18% | 11.02% | 5.43% |
| Q3 2025 | — | 2.08% | 4.60% | 14.44% | 5.89% |
| Q2 2025 | — | 3.60% | 4.53% | 14.92% | 6.75% |
| Q1 2025 | 21.94% | -0.07% | 3.94% | 15.79% | 6.69% |
| Q4 2024 | 22.30% | -7.13% | 5.63% | 21.99% | — |
| Q3 2024 | 20.21% | -3.78% | 6.23% | 26.71% | 6.22% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First Bank and Trust Company of Illinois (main office) | Palatine , IL | 60067 | $189.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, NORTHWEST BANCORPORATION OF ILLINOIS, INC., not the bank itself
- June 7, 2011, Federal Reserve: Written Agreement: Northwest Bancorporation of Illinois, Inc., Palatine, Illinois
- Period: Most recent institution action June 7, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 216 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Bank and Trust Company of Illinois
What are First Bank and Trust Company of Illinois's total assets?
As of the Q2 2026 filing, First Bank and Trust Company of Illinois reported total assets of $228.6 million in its FFIEC call report.
Where is First Bank and Trust Company of Illinois headquartered?
It is headquartered in Palatine, IL, United States.
When was First Bank and Trust Company of Illinois founded?
It was established in 1962, per the FDIC institution directory.
Is First Bank and Trust Company of Illinois FDIC-insured?
Yes. It 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.
What is First Bank and Trust Company of Illinois's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank and Trust Company of Illinois operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank and Trust Company of Illinois's Texas Ratio?
Its Texas Ratio is 28.51% 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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