First Nations Bank
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Data as of · sourced from FFIEC call reports. How we update
First Nations Bank is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1976 (FDIC certificate 22282), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $536.6M, down 2.4% from Q2 2025, the 93rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22282
- Headquarters
- Chicago, IL
- Established
- 1976
- Total assets, Q2 2026
- $536.6M
- Assets vs Q2 2025
- -2.4%
- CET1 ratio, Q2 2026
- 18.51%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071924306
- Latest call report
- Q2 2026, FFIEC 051 · First Nations Bank call report
- Holding company
- ILLINOIS STATE BANCORP, INC.
- Asset rank in state
- 93rd of 319 in Illinois
First Nations Bank leans heavily on commercial real estate. Based in Chicago, Illinois, it had $537 million in assets at June 30, 2026, down 2.4% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 7.1% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The balance sheet shrank over the year: over the year loans fell 7.1% and deposits fell 3.9%. Funding is the softer spot: it pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First Nations Bank reported a CET1 capital ratio of 18.51%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.63%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Nations Bank is the 93rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $536.6M, loans rose 0.2% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 39.3% of total loans, ahead of owner-occupied commercial real estate loans at 28.3%. Its 3 offices in the FDIC Summary of Deposits are in Chicago, IL and Wheaton, IL; its Chicago 2 offices book 82% of its branch deposits. On its Q2 2026 call report, First Nations Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7757 W Devon Ave, Chicago, IL 60631
- County
- Cook
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 7, 1976
- Former names
- First Nations Bank of Wheaton (1999-2004); First National Bank of Wheaton (1977-1999)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $440.6M
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $531.6M
- Average total loans
- $418.3M
- Average interest-bearing deposits
- $358.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 7, 1976
- FDIC Cert
- 22282
- Fed RSSD
- 277240
- Website
- https://www.firstnations.bank →
- Parent Holding Company
- ILLINOIS STATE BANCORP, INC. (RSSD 1889565)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Nations Bank's total assets moved between a low of $508.2M (Q4 2023) and a high of $549.7M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$536.6M total assets against $549.7M; $461.5M total liabilities against $480.6M.
$411.8M net loans and leases against $443.3M; $440.6M total deposits against $458.4M.
$22.9M securities against $16.3M; $93.2M cash and balances due against $81.2M.
$7.4M total interest income against $7.8M; $3.1M total interest expense against $3.6M.
$4.3M net interest income against $4.1M.
$79K total noninterest income against $55K; $2.3M total noninterest expense against $2.2M.
No provision recorded in the last 12 quarters.
$1.5M net income against $1.4M.
1.16% return on assets against 1.05%; 3.26% net interest margin against 3.03%.
18.51% CET1 capital ratio against 15.61%; 14.11% tier 1 leverage ratio against 12.56%.
Inside the full First Nations Bank 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.
First Nations Bank rankings
Its closest position to the top of a national ranking is 431 of 2,134, for CET1 ratio; its furthest is 2,891 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.28% (Q4 2025) and its net interest margin ran from 2.68% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.51% | 1.16% | 0.12% | 0.63% | 3.26% |
| Q1 2026 | 18.15% | 1.09% | 0.12% | 0.64% | 3.22% |
| Q4 2025 | 16.86% | 1.28% | 0.12% | 0.65% | 3.23% |
| Q3 2025 | 16.43% | 1.16% | 0.00% | 0.00% | 3.18% |
| Q2 2025 | 15.61% | 1.05% | 0.00% | 0.00% | 3.03% |
| Q1 2025 | 15.60% | 0.91% | 0.00% | 0.00% | 2.91% |
| Q4 2024 | 15.52% | 1.08% | 0.00% | 0.00% | 2.91% |
| Q3 2024 | 15.76% | 0.82% | 0.00% | 0.00% | 2.68% |
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 |
|---|---|---|---|
| First Nations Bank (main office) | Chicago , IL | 60631 | $320.9M |
| Wheaton Branch | Wheaton , IL | 60189 | $78.6M |
| Milwaukee Branch | Chicago , IL | 60646 | $41.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 118 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 19 loans originated, $7.8M originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.5M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Nations Bank
What are First Nations Bank's total assets?
As of the Q2 2026 filing, First Nations Bank reported total assets of $536.6 million in its FFIEC call report.
Where is First Nations Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was First Nations Bank founded?
It was established in 1976, per the FDIC institution directory.
Is First Nations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Nations Bank?
First Nations Bank's primary federal regulator is the FDIC.
What is First Nations Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Nations Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Nations Bank's Texas Ratio?
Its Texas Ratio is 0.63% 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 Nations Bank previously called?
The charter now named First Nations Bank has also operated as First Nations Bank of Wheaton (1999-2004), First National Bank of Wheaton (1977-1999), per FDIC structure-change records.
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