First Nations Bank: how it compares with its peers
Against 114 IL banks with half to twice its assets, First Nations Bank's strongest measure in Q2 2026 is assets per employee ($14.1M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (3.28% vs. 3.68%).
| Measure | First Nations Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.17% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.68% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.57% | 62.63% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.1M | $7.3M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.46% | 77.67% | Context |
What it means for lending operations
Its efficiency ratio of 52.57% is better than the 62.63% 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
- Pan American Bank & Trust Melrose Park, IL · $536M
- Citizens Community Bank Mascoutah, IL · $531M
- First Secure Community Bank Sugar Grove, IL · $529M
- Lisle Savings Bank Lisle, IL · $545M
- Germantown Trust & Savings Bank Breese, IL · $524M
- First Robinson Savings Bank, National Association Robinson, IL · $512M
Questions about First Nations Bank
How big is First Nations Bank?
First Nations Bank, established in 1976, is headquartered in Chicago, IL. It reported $537M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First Nations Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.17% median for 114 IL banks with half to twice its assets, ahead of 45% of them.
What is First Nations Bank's efficiency ratio?
52.57% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 62.63%, and lower is better.
Is First Nations Bank growing its loans?
Net loans shrank 7.1% over the year to Q2 2026, while deposits shrank 3.9%.
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.