Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #17470 · Highland Park, Illinois · Est. 1955
First Bank Chicago - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $2.2B
- Total assets
- D
- Health grade · Weak
- 0.23%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank Chicago earns a PlainBankData health grade of D (45/100), with 9.39% Tier 1 capital, 0.23% ROA, 85% efficiency ratio.
- #557
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 9.39%
- Tier 1 ratio - below the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Bank Chicago's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank Chicago's composite health score
Tier 1 Capital Ratio (9.39%) 18/40
Return on Assets (ROA) (0.23%) 7/25
Texas Ratio (3.01%) 20/20
Efficiency Ratio (84.58%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.7B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank Chicago ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank Chicago's score of 45/100 falls in the highlighted band.
First Bank 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). First Bank Chicago's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.39% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.39%
Texas Ratio
3.01%
Equity Capital
$196M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
2.52%
Efficiency Ratio
84.58%
What the numbers say about First Bank Chicago
First Bank Chicago is an FDIC-insured institution (Certificate #17470) headquartered in Highland Park, Illinois, established in 1955. It holds $2.2B in total assets - 557th of 4,313 FDIC-insured banks, $1.7B in customer deposits, and $1.5B in net loans. On safety, its Tier 1 capital ratio of 9.39% is below the 10% well-capitalized threshold, and its Texas Ratio of 3.01% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First Bank Chicago ranks 34th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$99M
Interest Income
$3M
Non-Interest Income
$35M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank Chicago reports a Texas Ratio of 3.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Bank Chicago
First Bank Chicago's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.39% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Bank Chicago up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank Chicago (FDIC Cert #17470) - 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 First Bank Chicago's health grade?▼
First Bank Chicago receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First Bank Chicago?▼
First Bank Chicago holds $2.2B in total assets and $1.7B in deposits, ranking 557th of 4,313 FDIC-insured banks by asset size. It is headquartered in Highland Park, Illinois.
Is my money safe at First Bank Chicago?▼
Yes, deposits at First Bank Chicago (Certificate #17470) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank Chicago's Tier 1 Capital Ratio?▼
First Bank Chicago has a Tier 1 Capital Ratio of 9.39%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Bank Chicago?▼
First Bank Chicago has a Texas Ratio of 3.01%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank Chicago?▼
First Bank Chicago has an Efficiency Ratio of 84.58%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank Chicago's profile as a depositor or analyst.
- First Bank Chicago's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank 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.