FDIC Cert #34393 · Skokie, Illinois · Est. 1997

1st Equity Bank - FDIC Bank Health Profile

A community-scale look at 1st Equity Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$126M
Total assets
A
Health grade · Excellent
1.62%
Return on assets
20.7%
Tier 1 capital

Data updated July 2026

The verdict

1st Equity Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 20.72% Tier 1, profitable at 1.62% ROA, 64% efficiency ratio.

#3,545
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
20.72%
Tier 1 ratio - above the 10% well-capitalized line
79th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34393 · IL A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #502/4307
  • PHOTO-FINISH WebBank · UT
  • TIER1-WELL 20.7% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: WebBank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Equity Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Equity Bank · IL · this …93/100Cedar Hill National… · NC · …93/100First Command Bank · TX · ne…93/100The Philadelphia Tru… · PA ·…93/100WebBank · UT · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Equity Bank · July 2026

Call Report read for 1st Equity Bank in a high-failure state

1st Equity Bank (FDIC Cert #34393) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #502 of 4,307. Tier 1 capital prints at 20.72%, clearing the 10% well-capitalized line. The Texas Ratio is 1.57%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $126M, 3,545th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WebBank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Equity Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

1st Equity Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about 1st Equity Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How 1st Equity Bank's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
1st Equity Bank's composite health score
Tier 1 Capital Ratio (20.72%) 40/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (1.57%) 20/20
Efficiency Ratio (63.60%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$126M

Total balance-sheet footings

Total Deposits

$83M

Customer-funded liabilities

Net Loans

$94M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.32% 20.72% 22.12%
Basel III capital ratios - 1st Equity Bank

Where 1st Equity Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Equity Bank's score of 93/100 falls in the highlighted band.

1st Equity Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 12% higher than 88% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. 1st Equity Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

1st Equity Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Equity Bank's $126M falls in the highlighted band.

Capital & credit buffers at 1st Equity Bank

Tier 1 capital ratio
Well-capitalized 10%

20.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.72%
Texas Ratio
1.57%
Equity Capital
$21M

What these ratios mean →

Earnings posture at 1st Equity Bank

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
9.63%
Efficiency Ratio
63.60%

What these mean →

Income & expense at 1st Equity Bank

$8M
Interest Income
$832K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Equity Bank reports a Texas Ratio of 1.57% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View 1st Equity Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($126M here), outside Illinois so the neighborhood is not state containment.

Eastern International Bank $126M · CA COREBANK $126M · OK The First National Bank of Cokato $125M · MN COMMUNITY FIRST BANK $125M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Equity Bank (FDIC Cert #34393) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

1st Equity Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%