First Trust Bank of Illinois
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Data as of · sourced from FFIEC call reports. How we update
First Trust Bank of Illinois is an FDIC-insured commercial bank headquartered in Kankakee, IL, established in 1998 (FDIC certificate 34778), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $406.3M, up 7.8% from Q2 2025, the 121st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.16% 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
- 34778
- Headquarters
- Kankakee, IL
- Established
- 1998
- Total assets, Q2 2026
- $406.3M
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 15.16%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071925826
- Latest call report
- Q2 2026, FFIEC 051 · First Trust Bank of Illinois call report
- Holding company
- FIRST TRUST FINANCIAL CORP.
- Asset rank in state
- 121st of 319 in Illinois
First Trust Bank of Illinois, based in Kankakee, Illinois, reported $406 million in assets at June 30, 2026, up 7.8% from a year earlier. It keeps 2.87 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 5.0% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.71% of loans from 1.69%. Loans and deposits moved in opposite directions: over the year loans fell 5.0% and deposits rose 6.6%.
As of June 30, 2026, First Trust Bank of Illinois reported a CET1 capital ratio of 15.16%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.71% and a Texas ratio of 3.07%. The figures come from its call report filed with the FFIEC.
First Trust Bank of Illinois ranks as the 121st largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $406.3M, loans rose 1.3% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 21.1% of total loans, followed by non-owner-occupied commercial real estate loans at 20.8%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Kankakee 2 offices book 54% of its branch deposits. On its Q2 2026 call report, First Trust Bank of Illinois meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 275 E Court St, Kankakee, IL 60901
- County
- Kankakee
- Metro Area
- Kankakee, IL
- 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 30, 1998
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $324.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $406.4M
- Average total loans
- $145.8M
- Average interest-bearing deposits
- $258.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 30, 1998
- FDIC Cert
- 34778
- Fed RSSD
- 2718596
- SEC CIK
- 1866930 → filed by FIRST TRUST FINANCIAL CORP.
- Website
- www.firsttrustbankil.com →
- Parent Holding Company
- FIRST TRUST FINANCIAL CORP. (RSSD 3249109)
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
From Q3 2023 to Q2 2026, First Trust Bank of Illinois's total assets ranged from $354.4M (Q3 2023) to $406.3M (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
$406.3M total assets against $377.0M; $371.6M total liabilities against $347.1M.
$143.2M net loans and leases against $150.9M; $324.4M total deposits against $304.2M.
$195.2M securities against $177.0M; $44.5M cash and balances due against $28.6M.
$4.0M total interest income against $3.7M; $1.3M total interest expense against $1.4M.
$2.7M net interest income against $2.3M.
$242K total noninterest income against $244K; $1.6M total noninterest expense against $1.5M.
No provision recorded in the last 12 quarters.
$1.0M net income against $812K.
0.99% return on assets against 0.84%; 2.87% net interest margin against 2.55%.
15.16% CET1 capital ratio; 10.26% tier 1 leverage ratio against 10.28%.
Inside the full First Trust Bank of Illinois terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Trust Bank of Illinois rankings
Its closest position to the top of a national ranking is 883 of 3,606, for efficiency ratio; its furthest is 2,527 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.52% (Q4 2024) to 1.08% (Q1 2026) and its net interest margin ran from 2.36% (Q4 2024) to 2.87% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.16% | 0.99% | 0.71% | 3.07% | 2.87% |
| Q1 2026 | 16.09% | 1.08% | 0.95% | 3.99% | 2.84% |
| Q4 2025 | 15.01% | 0.85% | 1.76% | 7.83% | 2.69% |
| Q3 2025 | — | 0.91% | 1.84% | 8.47% | 2.64% |
| Q2 2025 | — | 0.84% | 1.69% | 8.92% | 2.55% |
| Q1 2025 | 13.69% | 0.65% | 0.97% | 5.00% | 2.43% |
| Q4 2024 | 15.09% | 0.52% | 0.98% | 5.38% | 2.36% |
| Q3 2024 | 15.84% | 0.63% | 0.84% | 4.17% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Trust Bank of Illinois (main office) | Kankakee , IL | 60901 | $146.4M |
| Convent Road Bourbonnais Branch | Bourbonnais , IL | 60914 | $72.4M |
| Farmers State Bank of Danforth Branch | Danforth , IL | 60930 | $40.2M |
| Aroma Park Branch | Aroma Park , IL | 60910 | $36.0M |
| West Court Street Branch | Kankakee , IL | 60901 | $29.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 18, 2019 | Structure Change | Acquired Farmers State Bank of Danforth Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 20, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Illinois
- Period: Most recent institution action September 20, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 150 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 64 loans originated, $9.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $800K approved, $800K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Trust Bank of Illinois
What are First Trust Bank of Illinois's total assets?
As of the Q2 2026 filing, First Trust Bank of Illinois reported total assets of $406.3 million in its FFIEC call report.
Where is First Trust Bank of Illinois headquartered?
It is headquartered in Kankakee, IL, United States.
When was First Trust Bank of Illinois founded?
It was established in 1998, per the FDIC institution directory.
Is First Trust Bank of Illinois FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Trust Bank of Illinois?
First Trust Bank of Illinois's primary federal regulator is the FDIC.
What is First Trust Bank of Illinois's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Trust Bank of Illinois operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Trust Bank of Illinois's Texas Ratio?
Its Texas Ratio is 3.07% 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.
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