BlastPoint's Banking Scorecard
First Bank Chicago
Designations: ✓ Community bank
Highland Park, IL
4 branches across IL
First Bank Chicago has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43.4% in tier
- - Efficiency Drag: Bottom 48.6% in tier
- - Return on Assets 1.12% below tier average
- - Net Interest Margin 1.73% below tier average
- - Non-Interest-Bearing Deposit Share 14.05% below tier average
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+9.7% YoY
-1.0% QoQ
|
-$654.3M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$1.5B
+11.4% YoY
-1.2% QoQ
|
-$493.9M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$1.8B
+7.4% YoY
+1.7% QoQ
|
-$593.2M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
0.25%
+415.6% YoY
+6.1% QoQ
|
-1.12% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.5% in tier |
| Net Interest Margin ? |
2.09%
+14.2% YoY
+7.3% QoQ
|
-1.73% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio ? |
83.33%
-13.1% YoY
-1.5% QoQ
|
+22.27% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate ? |
0.36%
-61.4% YoY
-13.4% QoQ
|
-0.52% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
84.05%
+3.8% YoY
-2.9% QoQ
|
-0.15% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
7.24%
-4.6% YoY
+6.2% QoQ
|
-14.05% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.51%
-19.6% YoY
-6.6% QoQ
|
-0.17% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
9.15%
-4.7% YoY
-2.5% QoQ
|
-6.01% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.0% in tier |
| Non-Interest Income / Assets ? |
0.04%
+19.4% YoY
-73.4% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.6% in tier |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.