| Metric | First Bank Chicago | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +5.5% | +4.6 pts |
| Deposit growth (YoY) | +10.4% | +5.1% | +5.4 pts |
| Loan growth (YoY) | +11.6% | +5.9% | +5.7 pts |
| ROA | 0.28% | 1.26% | -1.0 pts |
| ROE | 3.1% | 12.2% | -9.1 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.23B | $1.78B | $1.52B | $198.4M | $3.0M | 0.28% | 2.10% | 1.00% |
| Q1 2026 | $2.16B | $1.75B | $1.47B | $196.8M | $1.3M | 0.25% | 2.09% | 0.51% |
| Q4 2025 | $2.18B | $1.72B | $1.49B | $195.9M | $4.8M | 0.23% | 1.95% | 0.54% |
| Q3 2025 | $2.09B | $1.64B | $1.40B | $187.1M | $2.6M | 0.17% | 1.90% | 0.70% |
| Q2 2025 | $2.02B | $1.62B | $1.36B | $186.6M | $1.0M | 0.10% | 1.87% | 0.62% |
| Q1 2025 | $1.97B | $1.63B | $1.32B | $187.4M | $235K | 0.05% | 1.83% | 0.63% |
| Q4 2024 | $1.96B | $1.55B | $1.34B | $188.1M | $-3.5M | -0.18% | 1.48% | 0.49% |
| Q3 2024 | $1.90B | $1.56B | $1.24B | $192.3M | $-624K | -0.04% | 1.43% | 0.56% |
Loan mix (Q2 2026): real estate $762.8M · commercial $765.9M · consumer $1.2M · securities $470.5M
| Ratio | First Bank Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 59.0% | 93th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Bank Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Bank Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Bank Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Bank Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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