First Trust Bank of Illinois: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 92.90 percentage points higher than in Q1 2026, at 228.59%. First Trust Bank of Illinois ranks 205th of 323 Illinois banks on return on assets, in the lower half at 0.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Trust Bank of Illinois sits 0.26 points lower, at 0.99% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.16% |
| Tier 1 risk-based capital ratio | 15.16% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 10.26% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 7.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.19% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 228.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 11.57% |
| Net interest margin | 2.87% |
| Efficiency ratio | 51.41% |
| Yield on earning assets | 4.20% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.68% |
| Core deposits to total deposits | 86.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.84% |
| Securities to assets | 48.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.20% | 15.20% | 15.90% | 11.06% | 0.89% |
| Q4 2023 | — | — | — | 10.47% | 0.84% |
| Q1 2024 | 15.31% | 15.31% | 16.01% | 10.18% | 0.69% |
| Q2 2024 | 15.69% | 15.69% | 16.40% | 10.33% | 0.70% |
| Q3 2024 | 15.84% | 15.84% | 16.55% | 10.97% | 0.63% |
| Q4 2024 | 15.09% | 15.09% | 15.76% | 10.70% | 0.52% |
| Q1 2025 | 13.69% | 13.69% | 14.30% | 10.18% | 0.65% |
| Q2 2025 | — | — | — | 10.28% | 0.84% |
| Q3 2025 | — | — | — | 10.63% | 0.91% |
| Q4 2025 | 15.01% | 15.01% | 15.65% | 10.45% | 0.85% |
| Q1 2026 | 16.09% | 16.09% | 16.77% | 10.49% | 1.08% |
| Q2 2026 | 15.16% | 15.16% | 15.80% | 10.26% | 0.99% |
First Trust Bank of Illinois vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust Bank of Illinois, 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 Trust Bank of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34778) · FFIEC NIC profile (RSSD 2718596)