First Trust Bank of Illinois: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Trust Bank of Illinois is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $406M in total assets and $324M in deposits. Returns are in line with industry norms at 0.99% ROA and 11.57% ROE; net interest margin is 2.87%. Capital is comfortably above regulatory requirements, CET1 ratio of 15.16% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.51% NPL ratio. 5 branches make up the footprint.
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 0.51%, a Texas ratio of 3.19%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- Employees (FTE)
- 34
- Domestic deposits
- $324.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $2K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Trust Bank of Illinois terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.16% | 0.99% | 0.51% | 3.19% | 2.87% |
| Q1 2026 | 16.09% | 1.08% | 0.87% | 4.12% | 2.84% |
| Q4 2025 | 15.01% | 0.85% | 1.65% | 7.98% | 2.69% |
| Q3 2025 | — | 0.91% | 1.69% | 8.64% | 2.64% |
| Q2 2025 | — | 0.84% | 1.69% | 9.12% | 2.55% |
| Q1 2025 | 13.69% | 0.65% | 0.90% | 5.21% | 2.43% |
| Q4 2024 | 15.09% | 0.52% | 0.91% | 5.61% | 2.36% |
| Q3 2024 | 15.84% | 0.63% | 0.85% | 4.38% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| 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
What the public regulatory sources show for First Trust Bank of Illinois, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Trust Bank of Illinois headquartered?
First Trust Bank of Illinois is headquartered in Kankakee, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Trust Bank of Illinois founded?
First Trust Bank of Illinois was established in 1998, per the FDIC institution directory.
Is First Trust Bank of Illinois FDIC-insured?
Yes. First Trust Bank of Illinois 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Trust Bank of Illinois's CET1 capital ratio?
First Trust Bank of Illinois 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?
First Trust Bank of Illinois 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?
First Trust Bank of Illinois's Texas Ratio is 3.19% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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