First Trust Bank of Illinois: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Trust Bank of Illinois of Kankakee, IL against its peer group of 2672 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 | 0.99% | 1.35% | -0.36% | 33rd below |
| ROAE | 11.57% | 12.05% | -0.48% | 45th below |
| Net Interest Margin | 2.87% | 3.90% | -1.03% | 7th bottom |
| Efficiency Ratio | 51.41% | 63.15% | -11.74% | 78th top |
| PPNR / Avg Assets | 1.35% | 1.64% | -0.29% | 36th below |
| Yield on Earning Assets | 4.20% | 5.65% | -1.45% | 4th bottom |
| Cost of Funds | 1.42% | 1.85% | -0.43% | 74th above |
| Net Interest Spread | 2.45% | 3.35% | -0.90% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.51% | 0.92% | -0.41% | 45th below |
| NPA / Total Assets | 0.18% | 0.67% | -0.49% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 228.59% | 1645.74% | -1417.15% | 52nd above |
| Texas Ratio | 3.19% | 7.15% | -3.96% | 52nd above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.16% | 20.83% | -5.67% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.16% | 20.87% | -5.71% | 50th above |
| Total Capital Ratio | 15.80% | 21.94% | -6.14% | 45th below |
| Leverage Ratio | 10.26% | 12.46% | -2.20% | 37th below |
| Equity / Assets | 8.52% | 11.67% | -3.15% | 20th bottom |
| TCE / Tangible Assets | 7.93% | 11.40% | -3.47% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.68% | 78.66% | -33.98% | 94th top |
| Core Deposit Ratio | 86.14% | 87.09% | -0.95% | 35th below |
| Wholesale Funding Ratio | 11.27% | 5.11% | +6.16% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.75% | 6.47% | +1.28% | 74th above |
| Loan Growth (Y/Y) | -5.05% | 7.64% | -12.69% | 7th bottom |
| Deposit Growth (Y/Y) | 6.62% | 6.02% | +0.60% | 68th above |
See First Trust Bank of Illinois's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Trust Bank of Illinois, 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 Trust Bank of Illinois profile, how to read a UBPR, or how this data updates.