BlastPoint's Banking Scorecard
First Eagle Bank
Community
Specialty: Commercial
IL
FDIC cert 25883
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Eagle Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7% in Community
- + Efficiency Ratio 20.29% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 35% in Community
- - Liquidity Strain: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$610.6M
+3.3% YoY
-1.1% QoQ
|
-$780.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$421.4M
+6.9% YoY
+4.3% QoQ
|
-$554.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$436.1M
+0.9% YoY
-1.8% QoQ
|
-$728.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
2.36%
+23.2% YoY
+1.6% QoQ
|
+1.19% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.16%
+10.6% YoY
+1.6% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
42.35%
-9.2% YoY
+0.7% QoQ
|
-20.29% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.63%
+6.0% YoY
+6.3% QoQ
|
+13.57% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
23.62%
-5.1% YoY
-8.5% QoQ
|
+2.57% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.26%
+33.3% YoY
+75.7% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#26 of 371 · Top 7% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.36%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.35%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Capital Thin
risk
#153 of 432 · Bottom 35% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#236 of 513 · Bottom 46% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Return on Assets
Current: 2.36% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 62.63%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.62% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.63% · Tier avg: 83.06%
18
18th pctile
Total Loans
Current: $421.4M · Tier avg: $975.5M
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
15
15th pctile
Total Assets
Current: $610.6M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $436.1M · Tier avg: $1.2B
Top Weaknesses
3
3th pctile
Total Deposits
Current: $436.1M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $610.6M · Tier avg: $1.4B
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
18
18th pctile
Total Loans
Current: $421.4M · Tier avg: $975.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.63% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.62% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
94
94th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.36% · Tier avg: 1.16%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%