Fwbank
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Data as of · sourced from FFIEC call reports. How we update
Fwbank is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 2021 (FDIC certificate 59195), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $206.7M, up 6.4% from Q2 2025, the 189th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59195
- Headquarters
- Chicago, IL
- Established
- 2021
- Total assets, Q2 2026
- $206.7M
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 12.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071027216
- Latest call report
- Q2 2026, FFIEC 051 · Fwbank call report
- Holding company
- FWB FINANCIAL, INC.
- Asset rank in state
- 189th of 319 in Illinois
Fwbank earns an unusually wide margin on its lending. Based in Chicago, Illinois, it had $207 million in assets at June 30, 2026, up 6.4% from a year earlier. It keeps 5.08 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it returns 4.7% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Earnings fell sharply: quarterly net income of $309,000 was 64% below a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.12% of loans from 1.41%. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Fwbank reported a return on assets of 0.60%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Fwbank is the 189th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $206.7M, loans rose 7.1% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 43.6% of total loans, ahead of commercial and industrial loans at 41.8%. The FDIC Summary of Deposits lists a single office for it, in Chicago, IL. Judged on its Q2 2026 call report, Fwbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 29 N Wacker Dr, Chicago, IL 60606
- 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
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 2021
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $176.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $223K
- Average total assets
- $205.1M
- Average total loans
- $129.2M
- Average interest-bearing deposits
- $131.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 2021
- FDIC Cert
- 59195
- Fed RSSD
- 5435988
- SEC CIK
- 1781999 → filed by FWB FINANCIAL, INC.
- Website
- www.firstwomens.bank →
- Parent Holding Company
- FWB FINANCIAL, INC. (RSSD 5435979)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Fwbank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fwbank's total assets ran between $113.3M (Q3 2023) and $206.7M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$206.7M total assets against $194.2M; $180.2M total liabilities against $171.4M.
$133.8M net loans and leases against $130.0M; $176.1M total deposits against $169.4M.
$35.0M securities against $31.7M; $30.9M cash and balances due against $29.5M.
$3.1M total interest income against $3.0M; $629K total interest expense against $705K.
$2.5M net interest income against $2.3M.
$1.2M total noninterest income against $921K; $2.9M total noninterest expense against $2.2M.
$389K provision for credit losses against $119K.
$309K net income against $852K.
0.60% return on assets against 1.87%; 5.08% net interest margin against 5.12%.
12.51% tier 1 leverage ratio against 12.99%.
Inside the full Fwbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFwbank rankings
Its closest position to the top of a national ranking is 2,922 of 4,196, for total assets; its furthest is 3,186 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q1 2025) to 4.73% (Q4 2025) and its net interest margin ran from 4.96% (Q1 2025) to 5.36% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.51% | 0.60% | 0.12% | 0.59% | 5.08% |
| Q1 2026 | 12.87% | 0.67% | 0.02% | 0.11% | 5.03% |
| Q4 2025 | 13.36% | 4.73% | 0.77% | 3.69% | 5.10% |
| Q3 2025 | 13.21% | 2.14% | 1.39% | 7.35% | 5.06% |
| Q2 2025 | 12.99% | 1.87% | 1.41% | 7.74% | 5.12% |
| Q1 2025 | 13.12% | 0.39% | 1.46% | 8.16% | 4.96% |
| Q4 2024 | 13.11% | 0.71% | 1.52% | 8.68% | 5.26% |
| Q3 2024 | 13.67% | 2.82% | 1.61% | 9.12% | 5.36% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Fwbank (main office) | Chicago , IL | 60606 | $176.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 226 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 65 loans, $69.4M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Fwbank
What are Fwbank's total assets?
As of the Q2 2026 filing, Fwbank reported total assets of $206.7 million in its FFIEC call report.
Where is Fwbank headquartered?
It is headquartered in Chicago, IL, United States.
When was Fwbank founded?
It was established in 2021, per the FDIC institution directory.
Is Fwbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fwbank?
Fwbank's primary federal regulator is the FDIC.
How many branches does Fwbank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fwbank's Texas Ratio?
Its Texas Ratio is 0.59% 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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