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

First Bank Chicago

Highland Park, Illinois · $2.23B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

80.2%
Efficiency
12th of 12
0.28%
ROA
11th of 12
0.8x
Coverage of noncurrent
11th of 12

First Bank Chicago is the sixth largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.23B in assets at 30 June 2026. Loans are 85.7% of deposits, 7th of 12 against a median of 85.0%, and equity is 8.9% of assets, 9th of 12. Loans grew +11.5% in the year, 4th of 12, and deposits grew 10.4%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 1.09% of the book, 9th of 12 against a median of 0.55%; 0.04% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.14% of loans, 10th of 12. Commercial real estate is 40.6% of loans, 8th of 12 against a median of 32.8%, and 318% of capital, above the 300% screen, with construction at 68% against the 100% screen.

Return on assets is 0.28%, 11th of 12 against a median of 1.33%, on an efficiency ratio of 80.2%, the highest in the cohort. Five years ago it was 0.45%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 5.4% of loans).

The efficiency ratioIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 56.3% CL Crystal Lake Bank & Trust Co. N.A. 34.0% SB Schaumburg Bank & Trust Co. N.A. 34.5% SB Signature Bank 41.7% BB Blackhawk Bank & Trust 46.1% AC American Commercial Bank & Trust N.A. 50.9% FB FCB Banks 51.0% RB Republic Bank of Chicago 61.5% PN Peoples National Bank N A 62.1% Bo Bank of Springfield 63.8% IN Inb National Association 63.8% MB Marquette Bank 74.2% FB First Bank Chicago 80.2%
Loans, year over yearIL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.8% Bo Bank of Springfield +13.4% 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% BB Blackhawk Bank & Trust +9.6% SB Signature Bank +8.9% PN Peoples National Bank N A +8.6% FB FCB Banks +5.6% SB Schaumburg Bank & Trust Co. N.A. +2.2% 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 4 CBLR filers, First Bank Chicago among them; owner-occupied excluded; bold marks a screen met
First Bank ChicagoRankCohort median
Total CRE against capital, the 300% screen318%10th of 12272%
Construction against capital, the 100% screen68%8th of 1249%
Construction and land development, share of loans8.7%7th of 127.2%
Non-owner-occupied nonfarm nonresidential, share of loans11.9%4th of 1217.1%
Total CRE, the guidance definition, share of loans40.6%8th of 1232.8%
CRE growth over 36 months, the third prong-4.5%1st of 12+21.5%
Commercial real estate against capital, the 300% screenIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 272% SB Signature Bank 156% SB Schaumburg Bank & Trust Co. N.A. 160% CL Crystal Lake Bank & Trust Co. N.A. 185% RB Republic Bank of Chicago 227% PN Peoples National Bank N A 260% Bo Bank of Springfield 270% AC American Commercial Bank & Trust N.A. 274% FB FCB Banks 289% BB Blackhawk Bank & Trust 302% FB First Bank Chicago 318% IN Inb National Association 349% 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 +21.5% FB First Bank Chicago -4.5% IN Inb National Association -4.4% MB Marquette Bank -2.5% RB Republic Bank of Chicago -1.4% PN Peoples National Bank N A +9.1% SB Signature Bank +19.0% FB FCB Banks +24.1% CL Crystal Lake Bank & Trust Co. N.A. +36.1% SB Schaumburg Bank & Trust Co. N.A. +36.7% BB Blackhawk Bank & Trust +47.2% Bo Bank of Springfield +63.7% AC American Commercial Bank & Trust N.A. +73.0%

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
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%
Signature Bank$2.07B0.1%41.7%0.05%3.73%1.0%73.4%10.4%
Blackhawk Bank & Trust$2.04B1.5%46.1%0.09%0.11%1.0%79.1%9.6%
Bank of Springfield$2.00B1.3%63.8%1.43%-0.01%1.0%100.9%9.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Bank ChicagoCohort median
20212026Change20212026Change
Loans$1.35B$1.53B+13%$1.06B$1.74B+64%
Deposits$1.45B$1.78B+24%$1.33B$1.84B+39%
NPA / loans0.03%1.09%+1.06 pts0.46%0.55%+0.08 pts
Efficiency72.8%80.2%+7.4 pts58.2%56.3%-1.9 pts
ROA0.45%0.28%-0.17 pts1.11%1.33%+0.22 pts

This read was prepared for First Bank Chicago'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 Bank Chicago 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.firstbankchicago.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.
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