BlastPoint's Banking Scorecard
First Bank and Trust Company of Illinois
Micro
Specialty: Commercial
IL
FDIC cert 18641
Designations: ✓ Community bank
Palatine, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Bank and Trust Company of Illinois has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.54% above tier
- + Efficiency Ratio 21.86% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.59% above tier
- - Nonperforming Asset Ratio 1.40% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$215.9M
+4.8% YoY
-5.6% QoQ
|
-$1.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$123.9M
-1.6% YoY
+12.6% QoQ
|
-$15.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$178.4M
+4.6% YoY
-7.0% QoQ
|
-$5.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.80%
+239.2% YoY
-6.6% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
6.40%
+195.3% YoY
-3.6% QoQ
|
+2.54% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
45.87%
+13.5% YoY
+2.3% QoQ
|
-21.86% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
3.23%
-43.9% YoY
-31.3% QoQ
|
+2.59% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
69.43%
-5.9% YoY
+21.0% QoQ
|
-5.10% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
31.08%
+78.9% YoY
-8.9% QoQ
|
+8.68% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.85%
-47.3% YoY
-18.1% QoQ
|
+1.40% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.09%
+15.5% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.40%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.87%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (3)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.23%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.85%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, 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
99
99th pctile
Net Interest Margin
Current: 6.40% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 45.87% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.08% · Tier avg: 22.39%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.43% · Tier avg: 74.53%
55
55th pctile
Total Assets
Current: $215.9M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $178.4M · Tier avg: $183.7M
51
51th pctile
Total Loans
Current: $123.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
6
6th pctile
Delinquency Rate
Current: 3.23% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.23% · Tier avg: 0.64%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Loans
Current: $123.9M · Tier avg: $139.2M
54
54th pctile
Total Deposits
Current: $178.4M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $215.9M · Tier avg: $217.5M
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.43% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.08% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.87% · Tier avg: 67.73%
99
99th pctile
Net Interest Margin
Current: 6.40% · Tier avg: 3.85%