First Bank and Trust Company of Illinois: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank and Trust Company of Illinois of Palatine, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 1.34% | -0.38% | 31st below |
| ROAE | 5.95% | 13.32% | -7.37% | 17th bottom |
| Net Interest Margin | 4.95% | 3.93% | +1.02% | 91st top |
| Efficiency Ratio | 65.34% | 61.14% | +4.20% | 38th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.68% | -0.05% | 53rd above |
| Yield on Earning Assets | 6.42% | 5.67% | +0.75% | 85th top |
| Cost of Funds | 1.76% | 1.88% | -0.12% | 53rd above |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.37% | 0.94% | +7.43% | 1st bottom |
| NPA / Total Assets | 4.74% | 0.70% | +4.04% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) | 18.46% | 1539.04% | -1520.58% | 1st bottom |
| Texas Ratio | 28.51% | 7.33% | +21.18% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.03% | 19.50% | +5.53% | 88th top |
| Tier 1 Ratio | 25.03% | 19.53% | +5.50% | 88th top |
| Total Capital Ratio | 26.28% | 20.62% | +5.66% | 89th top |
| Leverage Ratio | 15.91% | 12.14% | +3.77% | 90th top |
| Equity / Assets | 16.24% | 11.37% | +4.87% | 92nd top |
| TCE / Tangible Assets | 15.82% | 11.09% | +4.73% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.29% | 80.64% | -12.35% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.70% | 86.86% | +1.84% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.81% | 6.85% | -4.04% | 38th below |
| Loan Growth (Y/Y) | 13.58% | 7.90% | +5.68% | 84th top |
| Deposit Growth (Y/Y) | 1.46% | 6.29% | -4.83% | 32nd below |
See First Bank and Trust Company of Illinois's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank and Trust Company of Illinois, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank and Trust Company of Illinois profile, how to read a UBPR, or how this data updates.