BlastPoint's Banking Scorecard

First American Bank

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

Designations: ✓ Community bank

Elk Grove Village, IL

58 branches across IL · FL · WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +10.6% year over year ($5.6B on the books).
Delinquency rate 0.61%.
Return on assets 1.52%.
Efficiency ratio 58.30% vs a 59.73% peer average.
Loan-to-deposit ratio 60.13% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

First American Bank has 4 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 24.90% below tier average
+ ROA 0.13% above tier average
+ Efficiency Ratio 1.43% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 54.1% in tier
- Net Interest Margin 0.34% below tier average

Get updates when First American Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$8.6B +6.4% YoY +4.9% QoQ	+$5.8B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 3.1% in tier
Total Loans ?	$3.3B +9.4% YoY +5.5% QoQ	+$1.4B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$5.6B +10.6% YoY +5.8% QoQ	+$3.2B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.7% in tier
Return on Assets ?	1.52% -7.0% YoY +0.6% QoQ	+0.13%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	3.53% -5.1% YoY -0.1% QoQ	-0.34%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	58.30% +1.0% YoY -1.6% QoQ	-1.43%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.61% +51.1% YoY -33.5% QoQ	-0.26%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	60.13% -1.1% YoY -0.3% QoQ	-24.90%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 7.2% in tier
Non-Interest-Bearing Deposit Share ?	27.56% -4.9% YoY -1.9% QoQ	+6.29%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.24% +49.5% YoY -33.2% QoQ	-0.44%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	13.77% +5.5% YoY -3.9% QoQ	-1.07%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.31% +6.3% YoY +91.8% QoQ	-0.21%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	27.6% -1.4pp YoY -0.5pp QoQ	+6.2pp	21.4%	20.1%	22.2%	78%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	22.3% -0.3pp YoY +1.2pp QoQ	+8.3pp	14.0%	14.7%	12.5%	84%
CRE	36.9% +1.6pp YoY -0.2pp QoQ	-13.1pp	50.0%	37.9%	41.4%	19%
1-4 Family	22.0% +1.4pp YoY -0.2pp QoQ	-4.4pp	26.4%	28.3%	31.3%	47%
Consumer	16.1% -2.7pp YoY -0.8pp QoQ	+11.4pp	4.7%	5.4%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.8% +0.7pp YoY -0.6pp QoQ	-1.8pp	15.6%	19.9%	19.7%	55%
Leverage Ratio	7.6% +0.4pp YoY -0.2pp QoQ	-3.7pp	11.3%	12.2%	12.6%	1%
Total Capital Ratio	14.8% +0.7pp YoY -0.5pp QoQ	-1.9pp	16.7%	20.9%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	861 -27 (-3.0%) YoY 0 QoQ	+547	313	228	482	95%
Assets per Employee ($)	$10.0M +9.7% YoY +4.9% QoQ	-$463K	$10.5M	$8.3M	$8.8M	65%
Branch Count	58 -1 (-1.7%) YoY 0 QoQ	+38	20	10	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	68%
Nonaccrual	0.6% +0.2pp YoY -0.3pp QoQ	-0.3pp	0.8%	1.1%	1.0%	53%
Allowance Coverage	2.26x -35.4% YoY +51.7% QoQ	-16.45x	18.71x	5.62x	20.23x	53%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	7%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	18.3% -2.4pp YoY +0.4pp QoQ	+5.7pp	12.6%	10.5%	11.6%	87%
Cost of Funds (YTD)	2.0% -0.1pp YoY +0.1pp QoQ	+0.1pp	1.9%	1.6%	1.7%	55%
Net Income ($, YTD)	$63.2M -0.5% YoY — QoQ	+$43.9M	$19.2M	$11.7M	$40.4M	96%

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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)

Margin Compression

decline

#47 of 85 • Bottom 54.1% 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: 1.52%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $8.63B

Peer Median: $2.79B

#28 of 885 Top 3.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 60.13%

Peer Median: 85.04%

#65 of 885 Top 7.2% in $1B-$10B

Total Deposits

size

Value: $5.55B

Peer Median: $2.32B

#69 of 885 Top 7.7% in $1B-$10B

141

Total Loans

size

Value: $3.34B

Peer Median: $1.96B

#141 of 885 Top 15.8% in $1B-$10B

195

Non-Interest-Bearing Deposit Share

funding

Value: 27.56%

Peer Median: 21.27%

#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available