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

First American Bank

Elk Grove Village, Illinois · $8.63B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

61.0%
Loans / deposits
1st of 12
8.1%
Equity / assets
12th of 12
159.3%
CRE / capital
4th of 12

First American Bank is the fifth largest of the 12 Illinois banks nearest its size between $3B and $10B, with $8.63B in assets at 30 June 2026. Loans are 61.0% of deposits, the lowest in the cohort against a median of 90.4%, and equity is 8.1% of assets, the lowest in the cohort. Loans grew +9.4% in the year, 5th of 12, and deposits grew 10.6%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.60% of the book, 7th of 12 against a median of 0.59%; 0.17% is 30 to 89 days past due, and the allowance covers them 2.3 times. Commercial real estate is 32.6% of loans, 8th of 12 against a median of 31.6%, and 159% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 1.48%, 7th of 12 against a median of 1.50%, on an efficiency ratio of 59.6%, 8th of 12. Five years ago it was 1.38%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsIL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 90.4% FA First American Bank 61.0% MS Midland States Bank 74.3% MC Morton Community Bank 75.0% HB Heartland Bank & Trust Co. 82.3% NB Northbrook Bank & Trust Co. N.A. 83.2% HB Hinsdale Bank & Trust Co. N.A. 90.0% FM First Mid Bank & Trust N.A. 90.8% BB Barrington Bank & Trust Co. N.A. 94.2% LF Lake Forest Bank & Trust Co. N.A. 94.9% BB Byline Bank 95.7% OS Old Second National Bank 96.0% WB Wintrust Bank National Association 96.0%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% BB Byline Bank +2.9% WB Wintrust Bank National Association +0.4% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

First American Bank is the 12th largest 7(a) lender into Illinois of 537, with $215M across 501 loans, 1.4% of everything approved in the state (Byline Bank leads with $2.39B). 19 of its 44 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$125M9th of 2153.1%-0.7 pts
Cook, IL$105M13th of 2821.6%-1.3 pts
Dupage, IL$51M6th of 1882.6%-0.9 pts
Kane, IL$17M12th of 1412.1%thin
Will, IL$15M13th of 1451.9%-5.4 pts
Broward, FL$15M47th of 2090.5%thin
Lake, IL$15M17th of 1601.3%-0.1 pts
Kenosha, WI$11M4th of 685.1%-3.0 pts
Racine, WI$7M8th of 892.9%-9.1 pts
Kent, MI$5M32nd of 1240.5%thin
Boone, IN$5M7th of 583.4%quiet FY2018
Lake, IN$5M29th of 971.1%quiet FY2022
Queens, NY$4M67th of 1550.2%thin
31 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade176$143M33.6%0.56%39th of 1,651
Manufacturing140$99M23.3%0.25%70th of 2,246
Construction142$81M19.0%0.25%70th of 2,063
Retail trade66$25M5.9%0.04%281st of 2,589
Professional & technical services71$24M5.7%0.07%173rd of 1,955
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and First American Bank
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans FA First American Bank 1.4% $215M · 501 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First American BankRankCohort median
Total CRE against capital, the 300% screen159%4th of 12185%
Construction against capital, the 100% screen53%11th of 1234%
Construction and land development, share of loans10.8%12th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans14.3%6th of 1214.7%
Total CRE, the guidance definition, share of loans32.6%8th of 1231.6%
CRE growth over 36 months, the third prong+45.1%9th of 12+31.2%

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
Byline Bank$9.91B1.7%47.6%0.93%0.27%1.5%95.7%14.1%
Wintrust Bank National Association$9.57B2.0%45.5%0.36%0.24%1.0%96.0%11.6%
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First American BankCohort median
20212026Change20212026Change
Loans$2.14B$3.38B+58%$2.79B$4.89B+75%
Deposits$4.56B$5.55B+22%$4.35B$5.65B+30%
NPA / loans0.55%0.60%+0.06 pts0.62%0.59%-0.03 pts
Efficiency84.2%59.6%-24.6 pts55.9%51.5%-4.4 pts
ROA1.38%1.48%+0.11 pts1.42%1.50%+0.08 pts

This read was prepared for First American Bank'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 First American Bank 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 $3B to $10B
Institution www.firstambank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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.
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