← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

FCB Banks

Collinsville, Illinois · $2.64B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

8.1%
Equity / assets
12th of 12
1.79%
ROA
2nd of 12
1.4x
Coverage of noncurrent
9th of 12

FCB Banks is the fifth largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.64B in assets at 30 June 2026. Loans are 90.3% of deposits, 7th of 12 against a median of 89.0%, and equity is 8.1% of assets, the lowest in the cohort. Loans grew +5.6% in the year, 7th of 12, and deposits grew 5.5%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.76% of the book, 8th of 12 against a median of 0.37%; 0.46% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 34.2% of loans, 7th of 12 against a median of 32.1%, and 289% of capital, below the 300% screen, with construction at 78% against the 100% screen.

Return on assets is 1.79%, 2nd of 12 against a median of 1.43%, on an efficiency ratio of 51.0%, 5th of 12. Five years ago it was 1.04%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsIL banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.1% RB Republic Bank of Chicago 12.3% LB Lakeside Bank 10.7% SB State Bank of the Lakes N.A. 10.1% BB Beverly Bank & Trust Co. N.A. 9.9% SB Schaumburg Bank & Trust Co. N.A. 9.3% AC American Commercial Bank & Trust N.A. 9.1% MB Marquette Bank 9.1% IN Inb National Association 9.1% FB First Bank Chicago 8.9% CL Crystal Lake Bank & Trust Co. N.A. 8.9% PN Peoples National Bank N A 8.6% FB FCB Banks 8.1%
Loans, year over yearIL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% SB State Bank of the Lakes N.A. +14.2% AC American Commercial Bank & Trust N.A. +13.1% CL Crystal Lake Bank & Trust Co. N.A. +13.1% FB First Bank Chicago +11.5% PN Peoples National Bank N A +8.6% LB Lakeside Bank +6.9% FB FCB Banks +5.6% SB Schaumburg Bank & Trust Co. N.A. +2.2% BB Beverly Bank & Trust Co. N.A. +0.4% RB Republic Bank of Chicago -0.5% IN Inb National Association -1.7% MB Marquette Bank -1.8%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
FCB BanksRankCohort median
Total CRE against capital, the 300% screen289%8th of 12267%
Construction against capital, the 100% screen78%11th of 1241%
Construction and land development, share of loans9.3%10th of 125.4%
Non-owner-occupied nonfarm nonresidential, share of loans7.1%1st of 1213.6%
Total CRE, the guidance definition, share of loans34.2%7th of 1232.1%
CRE growth over 36 months, the third prong+24.1%8th of 12+14.8%
Commercial real estate against capital, the 300% screenIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 267% SB State Bank of the Lakes N.A. 139% SB Schaumburg Bank & Trust Co. N.A. 160% CL Crystal Lake Bank & Trust Co. N.A. 185% BB Beverly Bank & Trust Co. N.A. 186% RB Republic Bank of Chicago 227% PN Peoples National Bank N A 260% AC American Commercial Bank & Trust N.A. 274% FB FCB Banks 289% FB First Bank Chicago 318% IN Inb National Association 349% LB Lakeside Bank 491% MB Marquette Bank 576%
CRE growth over 36 months, the guidance's third prongIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +14.8% FB First Bank Chicago -4.5% IN Inb National Association -4.4% MB Marquette Bank -2.5% BB Beverly Bank & Trust Co. N.A. -2.0% RB Republic Bank of Chicago -1.4% PN Peoples National Bank N A +9.1% LB Lakeside Bank +20.5% FB FCB Banks +24.1% CL Crystal Lake Bank & Trust Co. N.A. +36.1% SB Schaumburg Bank & Trust Co. N.A. +36.7% AC American Commercial Bank & Trust N.A. +73.0% SB State Bank of the Lakes N.A. +89.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lakeside Bank$2.85B1.8%52.8%0.03%-0.02%1.2%94.6%10.7%
State Bank of the Lakes N.A.$2.81B1.4%37.2%0.18%0.07%0.5%87.7%10.1%
Beverly Bank & Trust Co. N.A.$2.69B1.6%58.0%0.40%0.29%0.7%91.0%9.9%
Inb National Association$2.68B1.2%63.8%1.10%0.10%1.1%80.9%9.1%
FCB Banks$2.64B1.8%51.0%0.76%0.01%1.1%90.3%8.1%
Republic Bank of Chicago$2.61B1.3%61.5%1.27%0.02%1.2%74.1%12.3%
Schaumburg Bank & Trust Co. N.A.$2.56B1.7%34.5%0.11%0.04%0.5%84.3%9.3%
Crystal Lake Bank & Trust Co. N.A.$2.26B1.5%34.0%0.34%0.13%0.8%94.0%8.9%
First Bank Chicago$2.23B0.3%80.2%1.09%0.14%0.8%85.7%8.9%
Marquette Bank$2.09B0.7%74.2%0.10%0.04%1.0%80.6%9.1%
Peoples National Bank N A$2.08B1.5%62.1%0.84%0.23%1.2%99.8%8.6%
American Commercial Bank & Trust N.A.$2.07B1.3%50.9%0.29%0.02%1.5%95.2%9.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
FCB BanksCohort median
20212026Change20212026Change
Loans$1.35B$2.05B+52%$1.23B$1.85B+50%
Deposits$1.83B$2.27B+24%$1.42B$2.24B+57%
NPA / loans0.52%0.76%+0.23 pts0.37%0.37%-0.00 pts
Efficiency55.9%51.0%-4.8 pts59.3%55.4%-3.9 pts
ROA1.04%1.79%+0.75 pts1.11%1.43%+0.33 pts

This read was prepared for FCB Banks's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on FCB Banks is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution www.fcbbanks.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue