First Bank and Trust Company of Illinois: how it compares with its peers
Against 146 IL banks with half to twice its assets, First Bank and Trust Company of Illinois's strongest measure in Q2 2026 is net interest margin (5.51% vs. a 3.72% peer median). Its weakest relative measure is efficiency ratio (61.46% vs. 64.72%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.15% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.51% | 3.72% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.46% | 64.72% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.5M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.24% | 74.78% | Context |
What it means for lending operations
Its efficiency ratio of 61.46% is better than the 64.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Eagle Valley Bank Griggsville, IL · $230M
- Farmers State Bank of Hoffman Hoffman, IL · $232M
- West Central Bank Ashland, IL · $232M
- Anna-Jonesboro National Bank Anna, IL · $234M
- Warren-Boynton State Bank New Berlin, IL · $235M
- Crossroads Bank Effingham, IL · $235M
Questions about First Bank and Trust Company of Illinois
How big is First Bank and Trust Company of Illinois?
First Bank and Trust Company of Illinois, established in 1962, is headquartered in Palatine, IL. It reported $229M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Bank and Trust Company of Illinois's return on assets?
1.43% annualized in Q2 2026, against a 1.15% median for 146 IL banks with half to twice its assets, ahead of 70% of them.
What is First Bank and Trust Company of Illinois's efficiency ratio?
61.46% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 64.72%, and lower is better.
Is First Bank and Trust Company of Illinois growing its loans?
Net loans grew 14.2% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.