First Bank Chicago: 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.
Reserve coverage of non-performing loans climbed 3.45 percentage points in Q2 2026, from 53.14% to 56.59%. It was the largest change from Q1 2026 among the key lines here. On return on assets, First Bank Chicago is 33rd from the bottom among 323 Illinois banks, 0.32% (Q2 2026). First Bank Chicago's return on assets of 0.32% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.96 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 8.90% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.29% |
| Texas ratio | 13.19% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 56.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 3.44% |
| Net interest margin | 2.18% |
| Efficiency ratio | 75.99% |
| Yield on earning assets | 5.16% |
| Cost of funds | 3.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.72% |
| Core deposits to total deposits | 66.04% |
| Brokered deposits to total deposits | 22.79% |
| Deposits to assets | 80.09% |
| Securities to assets | 21.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.37% | 0.13% | 1.62% | 1.89% | -0.42% |
| Q4 2023 | 9.92% | 0.43% | 1.52% | 2.00% | 0.16% |
| Q1 2024 | 10.16% | -0.02% | 1.38% | 2.53% | 0.00% |
| Q2 2024 | 10.16% | -0.12% | 1.34% | 3.02% | 0.00% |
| Q3 2024 | 10.15% | 0.01% | 1.54% | 0.89% | 0.00% |
| Q4 2024 | 9.87% | -0.59% | 1.66% | 1.27% | 0.34% |
| Q1 2025 | 9.60% | 0.05% | 1.81% | 1.21% | -0.12% |
| Q2 2025 | 9.57% | 0.16% | 2.01% | 0.75% | -0.09% |
| Q3 2025 | 9.36% | 0.31% | 2.02% | 2.09% | -0.08% |
| Q4 2025 | 9.39% | 0.41% | 2.16% | 1.82% | 0.24% |
| Q1 2026 | 9.15% | 0.25% | 2.14% | 1.59% | 0.00% |
| Q2 2026 | 9.09% | 0.32% | 2.18% | 1.45% | 0.29% |
First Bank Chicago vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Chicago, 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 Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17470) · FFIEC NIC profile (RSSD 804338)