First Bank and Trust Company of Illinois: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.00 percentage points lower than in Q1 2026, at 18.46%. First Bank and Trust Company of Illinois ranks 209th of 323 Illinois banks on return on assets, in the lower half at 0.96% (Q2 2026). First Bank and Trust Company of Illinois reported 0.96% on return on assets for Q2 2026, 0.29 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.03% |
| Tier 1 risk-based capital ratio | 25.03% |
| Total risk-based capital ratio | 26.28% |
| Tier 1 leverage ratio | 15.91% |
| Equity capital to assets | 16.24% |
| Tangible equity to tangible assets | 15.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 8.37% |
| Non-performing assets ratio | 4.74% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 28.51% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 18.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 5.95% |
| Net interest margin | 4.95% |
| Efficiency ratio | 65.34% |
| Yield on earning assets | 6.42% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.29% |
| Core deposits to total deposits | 88.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.91% |
| Securities to assets | 1.40% |
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 | 17.86% | 17.86% | 19.11% | 14.86% | 4.22% |
| Q4 2023 | 18.89% | 18.89% | 20.14% | 15.53% | 3.90% |
| Q1 2024 | 19.09% | 19.09% | 20.34% | 15.70% | 2.45% |
| Q2 2024 | 21.15% | 21.15% | 22.41% | 16.29% | 3.16% |
| Q3 2024 | 20.21% | 20.21% | 21.47% | 15.45% | -3.78% |
| Q4 2024 | 22.30% | 22.30% | 23.56% | 14.19% | -7.13% |
| Q1 2025 | 21.94% | 21.94% | 23.19% | 13.85% | -0.07% |
| Q2 2025 | — | — | — | 14.31% | 3.60% |
| Q3 2025 | — | — | — | 14.72% | 2.08% |
| Q4 2025 | — | — | — | 15.41% | 1.37% |
| Q1 2026 | 25.08% | 25.08% | 26.33% | 16.09% | 1.89% |
| Q2 2026 | 25.03% | 25.03% | 26.28% | 15.91% | 0.96% |
First Bank and Trust Company of Illinois vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company of Illinois, 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 Bank and Trust Company of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18641) · FFIEC NIC profile (RSSD 646444)