BlastPoint's Banking Scorecard
First Trust Bank of Illinois
Micro
Specialty: Other
IL
FDIC cert 34778
Designations: ✓ Community bank
Kankakee, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Trust Bank of Illinois faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.4M
+4.2% YoY
-1.3% QoQ
|
+$166.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$148.7M
+0.6% YoY
+0.4% QoQ
|
+$9.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$304.6M
+1.9% YoY
+1.4% QoQ
|
+$121.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.82%
+28.7% YoY
+1.7% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
2.62%
+5.8% YoY
+1.8% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
61.02%
-11.6% YoY
-0.7% QoQ
|
-6.71% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.78%
+79.4% YoY
-4.5% QoQ
|
+1.14% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
48.82%
-1.2% YoY
-1.0% QoQ
|
-25.70% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.37%
+10.0% YoY
+8.8% QoQ
|
-3.02% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.69%
+73.2% YoY
-2.9% QoQ
|
+0.23% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
15.01%
-0.5% YoY
|
+6.16% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.22%
-6.9% YoY
+22.4% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.62%
(Tier avg: 3.85%, National avg: 3.75%)
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.82% · Tier avg: 74.53%
86
86th pctile
Total Assets
Current: $384.4M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $304.6M · Tier avg: $183.7M
72
72th pctile
Tier 1 Capital Ratio
Current: 15.01% · Tier avg: 8.85%
64
64th pctile
Efficiency Ratio
Current: 61.02% · Tier avg: 67.73%
60
60th pctile
Total Loans
Current: $148.7M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.37% · Tier avg: 22.39%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.37% · Tier avg: 22.39%
60
60th pctile
Total Loans
Current: $148.7M · Tier avg: $139.2M
64
64th pctile
Efficiency Ratio
Current: 61.02% · Tier avg: 67.73%
72
72th pctile
Tier 1 Capital Ratio
Current: 15.01% · Tier avg: 8.85%
82
82th pctile
Total Deposits
Current: $304.6M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $384.4M · Tier avg: $217.5M
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.82% · Tier avg: 74.53%