BlastPoint's Banking Scorecard

First Eagle Bank

$100M-$1B Specialty: Commercial IL FDIC cert 25883

Designations: ✓ CDFI-certified

Chicago, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

First Eagle Bank has 5 strengths but faces 1 concern

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

+ Efficiency Ratio 24.21% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.80% above tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 11.8% in tier

Get updates when First Eagle Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$623.5M +5.2% YoY +2.1% QoQ	+$237.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$438.8M +10.5% YoY +4.1% QoQ	+$183.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$444.4M +3.1% YoY +1.9% QoQ	+$116.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	2.07% -12.3% YoY -12.3% QoQ	+0.80%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 11.2% in tier
Net Interest Margin ?	4.31% +8.5% YoY +3.6% QoQ	+0.38%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	41.08% -8.5% YoY -3.0% QoQ	-24.21%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 5.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	98.75% +7.2% YoY +2.2% QoQ	+22.11%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 10.0% in tier
Non-Interest-Bearing Deposit Share ?	25.51% +0.7% YoY +8.0% QoQ	+3.49%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.46% +3.1% YoY +2.1% QoQ	+5.63%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 10.8% in tier
Non-Interest Income / Assets ?	0.06% +23.3% YoY -77.0% QoQ	-0.22%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	25%

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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 (1)

Liquidity Overhang

risk

#88 of 739 • Bottom 11.8% 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: 21.46%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 98.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

133

Efficiency Ratio

profitability

Value: 41.08%

Peer Median: 65.29%

#133 of 2664 Top 5.0% in $100M-$1B

290

Tier 1 Capital Ratio

capital

Value: 21.46%

Peer Median: 15.83%

#290 of 2664 Top 10.8% in $100M-$1B

300

Return on Assets

profitability

Value: 2.07%

Peer Median: 1.27%

#300 of 2664 Top 11.2% in $100M-$1B

445

Total Loans

size

Value: $438.83M

Peer Median: $255.72M

#445 of 2664 Top 16.7% in $100M-$1B

474

Total Assets

size

Value: $623.53M

Peer Median: $386.08M

#474 of 2664 Top 17.8% in $100M-$1B

Top Weaknesses (1 metrics)

2399

Loan-to-Deposit Ratio

liquidity

Value: 98.75%

Peer Median: 76.64%

#2399 of 2664 Bottom 10.0% in $100M-$1B