First Bank Chicago: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank Chicago of Highland Park, IL against its peer group of 927 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 | 0.32% | 1.46% | -1.14% | 6th bottom |
| ROAE | 3.44% | 12.70% | -9.26% | 7th bottom |
| Net Interest Margin | 2.18% | 3.85% | -1.67% | 3rd bottom |
| Efficiency Ratio | 75.99% | 57.38% | +18.61% | 11th bottom |
| PPNR / Avg Assets | 0.51% | 1.88% | -1.37% | 4th bottom |
| Yield on Earning Assets | 5.16% | 5.72% | -0.56% | 27th below |
| Cost of Funds | 3.18% | 2.02% | +1.16% | 5th bottom |
| Net Interest Spread | 1.84% | 3.18% | -1.34% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 1.00% | +0.45% | 19th bottom |
| NPA / Total Assets | 1.25% | 0.76% | +0.49% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.29% | 0.43% | -0.14% | 14th bottom |
| ACL / Total Loans | 0.82% | 1.31% | -0.49% | 14th bottom |
| ACL / NPLs (Coverage) | 56.59% | 564.81% | -508.22% | 11th bottom |
| Texas Ratio | 13.19% | 7.38% | +5.81% | 15th bottom |
| Provision / NCO | 111.41% | 619.06% | -507.65% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.09% | 11.44% | -2.35% | 13th bottom |
| Equity / Assets | 8.90% | 11.34% | -2.44% | 20th bottom |
| TCE / Tangible Assets | 8.90% | 10.50% | -1.60% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.72% | 86.95% | -1.23% | 57th above |
| Core Deposit Ratio | 66.04% | 85.57% | -19.53% | 6th bottom |
| Uninsured Deposit Ratio | 26.60% | 33.13% | -6.53% | 66th above |
| Wholesale Funding Ratio | 10.48% | 5.69% | +4.79% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.11% | 9.68% | +0.43% | 76th top |
| Loan Growth (Y/Y) | 11.52% | 8.06% | +3.46% | 78th top |
| Deposit Growth (Y/Y) | 10.41% | 7.87% | +2.54% | 76th top |
See First Bank Chicago's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank Chicago, 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 Chicago profile, how to read a UBPR, or how this data updates.