First Eagle Bank: 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.
Loan-to-deposit ratio dropped 2.10 percentage points in Q2 2026, from 100.02% to 97.92%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, First Eagle Bank sits 10th from the top on return on assets, 2.45% as of Q2 2026. First Eagle Bank's return on assets of 2.45% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.19 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 | 21.29% |
| Equity capital to assets | 20.35% |
| Tangible equity to tangible assets | 20.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.34% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 943.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.45% |
| Return on equity | 11.98% |
| Net interest margin | 4.47% |
| Efficiency ratio | 38.72% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.92% |
| Core deposits to total deposits | 85.47% |
| Brokered deposits to total deposits | 1.25% |
| Deposits to assets | 72.04% |
| Securities to assets | 19.70% |
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 | 19.65% | 2.01% | 3.81% | 0.00% | 0.00% |
| Q4 2023 | 20.25% | 2.11% | 3.66% | 0.00% | 0.01% |
| Q1 2024 | 21.14% | 1.76% | 3.58% | 0.00% | 0.00% |
| Q2 2024 | 21.09% | 1.88% | 3.61% | 0.00% | 0.00% |
| Q3 2024 | 21.19% | 1.67% | 3.75% | 0.38% | 0.00% |
| Q4 2024 | 20.46% | 2.16% | 3.90% | 0.19% | -0.01% |
| Q1 2025 | 20.81% | 2.31% | 3.92% | 0.19% | 0.00% |
| Q2 2025 | 21.07% | 2.33% | 4.12% | 0.00% | -0.01% |
| Q3 2025 | 20.88% | 2.21% | 4.15% | 0.04% | 0.00% |
| Q4 2025 | 21.03% | 2.39% | 4.26% | 0.04% | 0.00% |
| Q1 2026 | 21.46% | 2.03% | 4.29% | 0.04% | 0.00% |
| Q2 2026 | 21.29% | 2.45% | 4.47% | 0.14% | 0.00% |
First Eagle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Eagle Bank, 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25883) · FFIEC NIC profile (RSSD 759045)