BlastPoint's Banking Scorecard

First American Bank

$1B-$10B Specialty: Other IL FDIC cert 3657

Designations: ✓ Community bank

Elk Grove Village, IL

60 branches across IL · FL · WI

884 banks in the $1B-$10B peer group nationally 50 in IL

First American Bank has 3 strengths but faces 2 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

+ Loan-to-Deposit Ratio 23.86% below tier average
+ ROA 0.14% above tier average
+ Efficiency Ratio 1.82% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 57.1% in tier
- Net Interest Margin 0.29% below tier average

Get updates when First American 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 ?	$8.2B +5.1% YoY +1.3% QoQ	+$5.4B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 4.3% in tier
Total Loans ?	$3.2B +7.0% YoY +0.7% QoQ	+$1.2B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$5.2B +3.9% YoY +2.9% QoQ	+$2.9B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 9.6% in tier
Return on Assets ?	1.51% -8.4% YoY -12.3% QoQ	+0.14%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	3.53% -4.7% YoY -5.6% QoQ	-0.29%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	59.24% +0.4% YoY +4.8% QoQ	-1.82%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.92% +191.0% YoY +10.5% QoQ	+0.03%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	60.34% +3.0% YoY -2.1% QoQ	-23.86%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 7.6% in tier
Non-Interest-Bearing Deposit Share ?	28.10% +1.6% YoY -0.2% QoQ	+6.81%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.35% +161.6% YoY +9.0% QoQ	-0.32%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	14.33% +5.3% YoY +0.4% QoQ	-0.83%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.16% +6.5% YoY -72.1% QoQ	-0.09%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	58%

Get Full Access to First American Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Margin Compression

decline

#49 of 84 • Bottom 57.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.51%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $8.22B

Peer Median: $2.82B

#39 of 884 Top 4.3% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 60.34%

Peer Median: 84.20%

#68 of 884 Top 7.6% in $1B-$10B

Total Deposits

size

Value: $5.25B

Peer Median: $2.34B

#86 of 884 Top 9.6% in $1B-$10B

151

Total Loans

size

Value: $3.17B

Peer Median: $1.96B

#151 of 884 Top 17.0% in $1B-$10B

178

Non-Interest-Bearing Deposit Share

funding

Value: 28.10%

Peer Median: 21.29%

#178 of 884 Top 20.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available