First Bank Chicago
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Data as of · sourced from FFIEC call reports. How we update
First Bank Chicago is an FDIC-insured commercial bank headquartered in Highland Park, IL, established in 1955 (FDIC certificate 17470), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.23B, up 10.1% from Q2 2025, the 34th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17470
- Headquarters
- Highland Park, IL
- Established
- 1955
- Total assets, Q2 2026
- $2.23B
- Assets vs Q2 2025
- +10.1%
- Tier 1 leverage ratio, Q2 2026
- 9.09%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071922609
- Holding company
- FIRST BANK CHICAGO CORP.
- Asset rank in state
- 34th of 319 in Illinois
Problem loans are rising at First Bank Chicago. The Highland Park, Illinois bank had $2.2 billion in assets at June 30, 2026, up 10.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.51% a year earlier. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 76 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.7 million, 113% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $72 million equal 37% of Tier 1 capital, down from 44% a year earlier. Its margin is thin by comparison: it keeps 2.18 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, First Bank Chicago reported a return on assets of 0.32%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 10.60%. The figures come from its call report filed with the FFIEC.
First Bank Chicago ranks as the 34th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $2.23B, loans rose 3.1% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 50.1% of total loans, ahead of multifamily loans at 20.1%. Its 3 offices in the FDIC Summary of Deposits are in Northbrook, IL, Highland Park, IL and Skokie, IL; its Northbrook office books 62% of its branch deposits. Judged on its Q2 2026 call report, First Bank Chicago meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1835 1st St, Highland Park, IL 60035
- County
- Lake
- 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
- —
- Call Report form
- FFIEC 051
- Established
- July 16, 1955
- Former names
- First Bank of Highland Park (1991-2022)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $1.78B
- Allowance for credit losses
- $12.6M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $2.16B
- Average total loans
- $1.52B
- Average interest-bearing deposits
- $1.63B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 16, 1955
- FDIC Cert
- 17470
- Fed RSSD
- 804338
- Website
- www.firstbankchicago.com →
- Parent Holding Company
- FIRST BANK CHICAGO CORP. (RSSD 1205398)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Bank Chicago reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank Chicago's total assets ran between $1.90B (Q3 2024) and $2.23B (Q2 2026), 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
$2.23B total assets against $2.02B; $2.03B total liabilities against $1.84B.
$1.52B net loans and leases against $1.36B; $1.78B total deposits against $1.62B.
$470.6M securities against $480.8M; $152.3M cash and balances due against $97.3M.
$26.6M total interest income against $24.4M; $15.4M total interest expense against $15.3M.
$11.1M net interest income against $9.1M.
$821K total noninterest income against $752K; $9.2M total noninterest expense against $8.6M.
$1.1M provision for credit losses against $213K.
$1.7M net income against $799K.
0.32% return on assets against 0.16%; 2.18% net interest margin against 2.01%.
9.09% tier 1 leverage ratio against 9.57%.
Inside the full First Bank Chicago 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Bank Chicago rankings
Its closest position to the top of a national ranking is 554 of 4,196, for total assets; its furthest is 3,394 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.59% (Q4 2024) to 0.41% (Q4 2025) and its net interest margin ran from 1.54% (Q3 2024) to 2.18% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.09% | 0.32% | 1.09% | 10.60% | 2.18% |
| Q1 2026 | 9.15% | 0.25% | 0.36% | 5.25% | 2.14% |
| Q4 2025 | 9.39% | 0.41% | 0.42% | 5.71% | 2.16% |
| Q3 2025 | 9.36% | 0.31% | 0.64% | 7.35% | 2.02% |
| Q2 2025 | 9.57% | 0.16% | 0.51% | 6.34% | 2.01% |
| Q1 2025 | 9.60% | 0.05% | 0.94% | 6.26% | 1.81% |
| Q4 2024 | 9.87% | -0.59% | 0.71% | 4.79% | 1.66% |
| Q3 2024 | 10.15% | 0.01% | 0.85% | 5.30% | 1.54% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Northbrook Branch | Northbrook , IL | 60062 | $1.12B |
| First Bank Chicago (main office) | Highland Park , IL | 60035 | $538.5M |
| Skokie Branch | Skokie , IL | 60077 | $131.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 49 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 23 applications, 23 loans originated, $68.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Chicago
What are First Bank Chicago's total assets?
As of the Q2 2026 filing, First Bank Chicago reported total assets of $2.23 billion in its FFIEC call report.
Where is First Bank Chicago headquartered?
It is headquartered in Highland Park, IL, United States.
When was First Bank Chicago founded?
It was established in 1955, per the FDIC institution directory.
Is First Bank Chicago FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank Chicago?
First Bank Chicago's primary federal regulator is the FDIC.
How many branches does First Bank Chicago operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank Chicago's Texas Ratio?
Its Texas Ratio is 10.60% 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 Bank Chicago previously called?
The charter now named First Bank Chicago has also operated as First Bank of Highland Park (1991-2022), per FDIC structure-change records.
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