BlastPoint's Banking Scorecard
First American Bank
Mid-Market
Specialty: Other
IL
FDIC cert 3657
Designations: ✓ Community bank
Elk Grove Village, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
First American Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.82% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.1B
+9.8% YoY
+0.5% QoQ
|
-$2.3B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$3.1B
+6.2% YoY
+2.4% QoQ
|
-$4.0B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$5.1B
+1.0% YoY
+0.6% QoQ
|
-$3.4B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.72%
+0.7% YoY
+2.1% QoQ
|
+0.56% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.74%
-5.3% YoY
+0.2% QoQ
|
+0.35% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
56.53%
+0.3% YoY
-0.1% QoQ
|
-0.08% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.83%
+58.6% YoY
+105.6% QoQ
|
+0.15% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
61.65%
+5.1% YoY
+1.9% QoQ
|
-23.82% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.16%
+2.6% YoY
-2.0% QoQ
|
+7.52% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.32%
+45.4% YoY
+104.2% QoQ
|
-0.17% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.27%
+6.4% YoY
+4.8% QoQ
|
+0.72% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.58%
-5.7% YoY
+29.7% QoQ
|
-0.37% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
61.65%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (1)
Credit Risk Growth
risk
#40 of 87 · Bottom 45% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 61.65% · Tier avg: 85.47%
86
86th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.16% · Tier avg: 20.64%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 13.55%
66
66th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.40%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
53
53th pctile
Efficiency Ratio
Current: 56.53% · Tier avg: 56.60%
47
47th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
39
39th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.96%
32
32th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.68%
21
21th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
6
6th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
Top Weaknesses
6
6th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
21
21th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
32
32th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.68%
39
39th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.96%
47
47th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
53
53th pctile
Efficiency Ratio
Current: 56.53% · Tier avg: 56.60%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
66
66th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.40%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 13.55%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.16% · Tier avg: 20.64%
86
86th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
93
93th pctile
Loan-to-Deposit Ratio
Current: 61.65% · Tier avg: 85.47%