Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #903 · Chicago, Illinois · Est. 1922
Amalgamated Bank of Chicago - FDIC Bank Health Profile
A community-scale look at Amalgamated Bank of Chicago's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- A
- Health grade · Excellent
- 1.00%
- Return on assets
- 16.1%
- Tier 1 capital
Data updated July 2026
The verdict
Amalgamated Bank of Chicago earns a PlainBankData health grade of A (84/100), with well-capitalized at 16.11% Tier 1, profitable at 1.00% ROA, 67% efficiency ratio.
- #762
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 16.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- 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.
How Amalgamated Bank of Chicago's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Amalgamated Bank of Chicago's composite health score
Tier 1 Capital Ratio (16.11%) 40/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (5.46%) 16/20
Efficiency Ratio (67.39%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$777M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Amalgamated Bank of Chicago ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Amalgamated Bank of Chicago's score of 84/100 falls in the highlighted band.
Amalgamated Bank of Chicago'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). Amalgamated Bank of Chicago's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.11%
Texas Ratio
5.46%
Equity Capital
$135M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
10.40%
Efficiency Ratio
67.39%
What the numbers say about Amalgamated Bank of Chicago
Amalgamated Bank of Chicago is an FDIC-insured institution (Certificate #903) headquartered in Chicago, Illinois, established in 1922. It holds $1.5B in total assets - 762nd of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $777M in net loans. Its capital position: a Tier 1 ratio of 16.11%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.46% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Amalgamated Bank of Chicago sits 46th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$60M
Interest Income
$16M
Non-Interest Income
$40M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Amalgamated Bank of Chicago reports a Texas Ratio of 5.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Amalgamated Bank of Chicago (FDIC Cert #903) - 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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Amalgamated Bank of Chicago's health grade?▼
Amalgamated Bank of Chicago receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Amalgamated Bank of Chicago?▼
Amalgamated Bank of Chicago holds $1.5B in total assets and $1.3B in deposits, ranking 762nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Chicago, Illinois.
Is my money safe at Amalgamated Bank of Chicago?▼
Yes, deposits at Amalgamated Bank of Chicago (Certificate #903) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Amalgamated Bank of Chicago's Tier 1 Capital Ratio?▼
Amalgamated Bank of Chicago has a Tier 1 Capital Ratio of 16.11%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Amalgamated Bank of Chicago?▼
Amalgamated Bank of Chicago has a Texas Ratio of 5.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Amalgamated Bank of Chicago?▼
Amalgamated Bank of Chicago has an Efficiency Ratio of 67.39%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Amalgamated Bank of Chicago's profile as a depositor or analyst.
- Amalgamated Bank of Chicago's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Amalgamated Bank of Chicago against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.