BlastPoint's Banking Scorecard
First Bank Chicago
Community
Specialty: Commercial
IL
FDIC cert 17470
Highland Park, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Bank Chicago faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Net Interest Margin 1.72% below tier
- - Efficiency Ratio 21.95% above tier
- - Non-Interest-Bearing Deposit Share 14.23% below tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+11.3% YoY
+4.5% QoQ
|
+$792.6M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.5B
+11.1% YoY
+6.0% QoQ
|
+$513.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.7B
+11.2% YoY
+4.9% QoQ
|
+$555.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.23%
+230.8% YoY
+34.9% QoQ
|
-0.93% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.94%
+31.3% YoY
+2.6% QoQ
|
-1.72% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
84.58%
-23.4% YoY
-4.3% QoQ
|
+21.95% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.42%
-40.8% YoY
-34.7% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
86.53%
-0.1% YoY
+1.1% QoQ
|
+3.46% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
6.81%
-10.4% YoY
-11.4% QoQ
|
-14.23% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.54%
+12.1% YoY
-22.4% QoQ
|
+0.05% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
+3.6% YoY
+41.2% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.23%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.94%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
84.58%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.81%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.53% · Tier avg: 83.06%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
7
7th pctile
Efficiency Ratio
Current: 84.58% · Tier avg: 62.63%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
5
5th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.16%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.81% · Tier avg: 21.05%
1
1th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.81% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.16%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Efficiency Ratio
Current: 84.58% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.53% · Tier avg: 83.06%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B