Total Assets
$611M
Total balance-sheet footings
FDIC Cert #25883 · Chicago, Illinois · Est. 1985
First Eagle Bank - FDIC Bank Health Profile
A community-scale look at First Eagle Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $611M
- Total assets
- A
- Health grade · Excellent
- 2.36%
- Return on assets
- 21.0%
- Tier 1 capital
Data updated July 2026
The verdict
First Eagle Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 21.03% Tier 1, profitable at 2.36% ROA, efficient (42% cost ratio).
- #1,554
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 21.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Eagle Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Eagle Bank's composite health score
Tier 1 Capital Ratio (21.03%) 40/40
Return on Assets (ROA) (2.36%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (42.35%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$436M
Customer-funded liabilities
Net Loans
$421M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Eagle Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Eagle Bank's score of 100/100 falls in the highlighted band.
First Eagle 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). First Eagle Bank's $611M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.03%
Texas Ratio
0.00%
Equity Capital
$128M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.36%
Return on Equity (ROE)
11.73%
Efficiency Ratio
42.35%
What the numbers say about First Eagle Bank
First Eagle Bank is an FDIC-insured institution (Certificate #25883) headquartered in Chicago, Illinois, established in 1985. It holds $611M in total assets - 1,554th of 4,313 FDIC-insured banks, $436M in customer deposits, and $421M in net loans. Capital-wise, the Tier 1 ratio sits at 21.03%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Eagle Bank sits 88th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$33M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Eagle Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) First Eagle Bank (FDIC Cert #25883) - 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 Eagle Bank's health grade?▼
First Eagle Bank receives a health grade of A (100/100) 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 First Eagle Bank?▼
First Eagle Bank holds $611M in total assets and $436M in deposits, ranking 1,554th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chicago, Illinois.
Is my money safe at First Eagle Bank?▼
Yes, deposits at First Eagle Bank (Certificate #25883) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Eagle Bank's Tier 1 Capital Ratio?▼
First Eagle Bank has a Tier 1 Capital Ratio of 21.03%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Eagle Bank?▼
First Eagle Bank has a Texas Ratio of 0.00%. 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 First Eagle Bank?▼
First Eagle Bank has an Efficiency Ratio of 42.35%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Eagle Bank's profile as a depositor or analyst.
- First Eagle Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Eagle Bank 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.