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First Bank and Trust Company of Illinois

$100M-$1B Specialty: Commercial IL FDIC cert 18641

Palatine, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First Bank and Trust Company of Illinois has 3 strengths but faces 5 concerns

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

  • + Profitability Leader: Top 12.6% in tier
  • + Deposit Franchise: Top 30.2% in tier
  • + Efficiency Ratio 7.21% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 28.8% in tier
  • - Cost Spiral: Bottom 52.4% in tier
  • - Delinquency Rate 2.39% above tier average
  • - Nonperforming Asset Ratio 1.20% above tier average
  • - Non-Interest Income / Assets 0.28% below tier average
Get updates when First Bank and Trust Company of Illinois releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $221.5M
-1.3% YoY +2.6% QoQ
-$164.6M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
31%
Total Loans ? $124.1M
-3.5% YoY +0.2% QoQ
-$131.6M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
27%
Total Deposits ? $183.1M
-4.3% YoY +2.6% QoQ
-$144.9M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 1.91%
+5.9% QoQ
+0.64% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
Top 14.9% in tier
Net Interest Margin ? 5.98%
-13.0% YoY -6.5% QoQ
+2.05% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Top 1.5% in tier
Efficiency Ratio ? 58.08%
+22.9% YoY +26.6% QoQ
-7.21% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
66%
Delinquency Rate ? 3.28%
-18.3% YoY +1.5% QoQ
+2.39% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
Bottom 5.2% in tier
Loan-to-Deposit Ratio ? 67.78%
+0.8% YoY -2.4% QoQ
-8.85% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
71%
Non-Interest-Bearing Deposit Share ? 32.79%
+10.9% YoY +5.5% QoQ
+10.77% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Top 13.0% in tier
Nonperforming Asset Ratio ? 1.84%
-20.2% YoY -0.9% QoQ
+1.20% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
Bottom 7.9% in tier
Tier 1 Capital Ratio ? 25.08%
+14.3% YoY +62.7% QoQ
+9.25% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Top 6.4% in tier
Non-Interest Income / Assets ? 0.00%
+1.4% YoY -96.5% QoQ
-0.28% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
Bottom 0.6% in tier

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 (2)

Profitability Leader

growth
#85 of 666 • Top 12.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.91%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#83 of 272 • Top 30.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.79%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.98%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#214 of 739 • Bottom 28.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.08%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 67.78%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ

Cost Spiral

risk
#67 of 126 • Bottom 52.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.08%
(Tier: 65.29%, National: 66.95%)
better than tier avg
126 of 126 Community banks match · 176 nationally
↑ Growing +82 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

41
Net Interest Margin
profitability
Value: 5.98%
Peer Median: 3.93%
#41 of 2664 Top 1.5% in $100M-$1B
172
Tier 1 Capital Ratio
capital
Value: 25.08%
Peer Median: 15.83%
#172 of 2664 Top 6.4% in $100M-$1B
347
Non-Interest-Bearing Deposit Share
funding
Value: 32.79%
Peer Median: 22.02%
#347 of 2664 Top 13.0% in $100M-$1B
399
Return on Assets
profitability
Value: 1.91%
Peer Median: 1.27%
#399 of 2664 Top 14.9% in $100M-$1B

Top Weaknesses (3 metrics)

2648
Non-Interest Income / Assets
revenue_mix
Value: 0.00%
Peer Median: 0.28%
#2648 of 2664 Bottom 0.6% in $100M-$1B
2517
Delinquency Rate
credit_quality
Value: 3.28%
Peer Median: 0.89%
#2517 of 2654 Bottom 5.2% in $100M-$1B
2455
Nonperforming Asset Ratio
credit_quality
Value: 1.84%
Peer Median: 0.64%
#2455 of 2664 Bottom 7.9% in $100M-$1B
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