BlastPoint's Banking Scorecard
First Trust Bank of Illinois
Kankakee, IL
5 branches across IL
First Trust Bank of Illinois has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.48% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - ROA 0.18% below tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$394.3M
+2.0% YoY
+2.6% QoQ
|
+$8.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$141.4M
-4.5% YoY
-4.9% QoQ
|
-$114.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$318.1M
+1.9% YoY
+4.4% QoQ
|
-$9.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.09%
+64.3% YoY
+32.5% QoQ
|
-0.18% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
2.86%
+16.0% YoY
+9.4% QoQ
|
-1.07% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio ? |
51.81%
-23.2% YoY
-15.1% QoQ
|
-13.48% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.96%
-2.2% YoY
-45.9% QoQ
|
+0.07% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
44.46%
-6.2% YoY
-8.9% QoQ
|
-32.18% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.62%
+7.4% YoY
+6.4% QoQ
|
-1.40% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.34%
-8.4% YoY
-49.8% QoQ
|
-0.29% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
16.09%
+17.5% YoY
+7.2% QoQ
|
+0.26% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.06%
+5.4% YoY
-73.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
24% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.