BlastPoint's Banking Scorecard

First Bank Chicago

$1B-$10B Specialty: Commercial IL FDIC cert 17470

Designations: ✓ Community bank

Highland Park, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +10.4% year over year ($1.8B on the books).
Delinquency rate 1.10%.
Return on assets 0.28%.
Efficiency ratio 80.21% vs a 59.73% peer average.
Loan-to-deposit ratio 85.02% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

First Bank Chicago faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 36.7% in tier
- Capital Thin: Bottom 43.2% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 1.77% below tier average
- Non-Interest-Bearing Deposit Share 14.56% below tier average
- Non-Interest Income / Assets 0.45% below tier average
- Delinquency Rate 0.24% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.2B +10.1% YoY +3.1% QoQ	-$564.6M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$1.5B +11.6% YoY +3.2% QoQ	-$445.8M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$1.8B +10.4% YoY +2.0% QoQ	-$534.0M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	0.28% +166.2% YoY +12.5% QoQ	-1.11%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 3.3% in tier
Net Interest Margin ?	2.10% +12.2% YoY +0.7% QoQ	-1.77%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 2.1% in tier
Efficiency Ratio ?	80.21% -11.9% YoY -3.7% QoQ	+20.49%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 6.7% in tier
Delinquency Rate ?	1.10% +115.9% YoY +202.7% QoQ	+0.24%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	85.02% +1.0% YoY +1.2% QoQ	-0.02%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	6.72% -13.8% YoY -7.2% QoQ	-14.56%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 6.0% in tier
Nonperforming Asset Ratio ?	1.00% +61.5% YoY +97.4% QoQ	+0.33%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	9.09% -5.0% YoY -0.6% QoQ	-5.75%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 0.9% in tier
Non-Interest Income / Assets ?	0.08% +8.4% YoY +88.9% QoQ	-0.45%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 5.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	6.7% -1.1pp YoY -0.5pp QoQ	-14.7pp	21.4%	20.1%	22.2%	5%
Brokered Deposits	22.8% +6.3pp YoY +0.7pp QoQ	+13.3pp	9.5%	8.0%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	50.5% +3.9pp YoY +1.1pp QoQ	+36.5pp	14.0%	14.7%	12.5%	98%
CRE	46.4% -3.8pp YoY -1.1pp QoQ	-3.6pp	50.0%	37.9%	41.4%	40%
1-4 Family	3.8% -0.1pp YoY 0.0pp QoQ	-22.6pp	26.4%	28.3%	31.3%	5%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	5.4%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.9%	19.7%	n/a
Leverage Ratio	9.1% -0.5pp YoY -0.1pp QoQ	-2.2pp	11.3%	12.2%	12.6%	14%
Total Capital Ratio	n/a	n/a	16.7%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	148 +2 (+1.4%) YoY +2 (+1.4%) QoQ	-166	313	228	482	21%
Assets per Employee ($)	$15.1M +8.6% YoY +1.7% QoQ	+$4.6M	$10.5M	$8.3M	$8.8M	89%
Branch Count	4 0 YoY 0 QoQ	-16	20	10	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	1.1% +0.6pp YoY +0.7pp QoQ	+0.3pp	0.8%	1.1%	1.0%	77%
Allowance Coverage	0.75x -56.1% YoY -68.0% QoQ	-17.96x	18.71x	5.62x	20.23x	14%
Net Charge-off Rate (YTD)	0.1% +0.2pp YoY	-0.1pp	0.3%	0.1%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	3.1% +2.0pp YoY +0.4pp QoQ	-9.5pp	12.6%	10.5%	11.6%	4%
Cost of Funds (YTD)	2.9% -0.3pp YoY 0.0pp QoQ	+1.0pp	1.9%	1.6%	1.7%	95%
Net Income ($, YTD)	$3.0M +193.8% YoY — QoQ	-$16.2M	$19.2M	$11.7M	$40.4M	5%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#23 of 60 • Bottom 36.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.21%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk

#97 of 222 • Bottom 43.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.09%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

878

Tier 1 Capital Ratio

capital

Value: 9.09%

Peer Median: 14.84%

#878 of 885 Bottom 0.9% in $1B-$10B

867

Net Interest Margin

profitability

Value: 2.10%

Peer Median: 3.87%

#867 of 885 Bottom 2.1% in $1B-$10B

857

Return on Assets

profitability

Value: 0.28%

Peer Median: 1.39%

#857 of 885 Bottom 3.3% in $1B-$10B

838

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#838 of 885 Bottom 5.4% in $1B-$10B

833

Non-Interest-Bearing Deposit Share

funding

Value: 6.72%

Peer Median: 21.27%

#833 of 885 Bottom 6.0% in $1B-$10B

827

Efficiency Ratio

profitability

Value: 80.21%

Peer Median: 59.73%

#827 of 885 Bottom 6.7% in $1B-$10B

694

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.67%

#694 of 885 Bottom 21.7% in $1B-$10B

667

Delinquency Rate

credit_quality

Value: 1.10%

Peer Median: 0.87%

#667 of 882 Bottom 24.5% in $1B-$10B