First American Bank: how it compares with its peers
Against 13 IL banks with half to twice its assets, First American Bank's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $9.6M peer median). Its weakest relative measure is efficiency ratio (58.30% vs. 46.56%).
| Measure | First American Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.48% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.44% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.30% | 46.56% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $9.6M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.13% | 89.69% | Context |
What it means for lending operations
Its efficiency ratio of 58.30% is above the 46.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Mid Bank & Trust, National Association Mattoon, IL · $9.14B
- Lake Forest Bank & Trust Company, National Association Lake Forest, IL · $9.25B
- Wintrust Bank, National Association Chicago, IL · $9.57B
- Byline Bank Chicago, IL · $9.91B
- Old Second National Bank Aurora, IL · $6.86B
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
Questions about First American Bank
How big is First American Bank?
First American Bank, established in 1901, is headquartered in Elk Grove Village, IL. It reported $8.63B in total assets in its Q2 2026 FDIC call report and operates 58 offices.
What is First American Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.48% median for 13 IL banks with half to twice its assets, ahead of 54% of them.
What is First American Bank's efficiency ratio?
58.30% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 46.56%, and lower is better.
Is First American Bank growing its loans?
Net loans grew 9.4% over the year to Q2 2026, while deposits grew 10.6%.
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.