First Bank and Trust Company of Illinois

Palatine, IL

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

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Total
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Capital

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Weiss Ratings	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	2.40
Capitalization Index	10.00
Liquidity Index	3.50
Profitability Index	5.10
Stability Index	7.10

Company Info	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	18641
Phone Number	(847) 358-6262
Website	www.firstbankillinois.com

Asset Quality	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.81%
5-Year Asset Growth	1.64%
5-Year Charge-Offs to Average Loans	1.10%
Charge-Offs to Average Loans	-0.03%
Non-Performing Assets to Assets	4.74%
Non-Performing Loans to Capital	28.51%
Non-Performing Loans to Loans	8.37%

Balance Sheet	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	228.58M
Total Deposits	189.51M

Capital and Reserves	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
Capital	37.13M
Leverage Ratio	15.91
Loan Loss Reserves to Loans	1.54%
Risk-Based Capital Ratio	26.28

Liquidity	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	34.04%
Liquidity Ratio	50.01%

Profitability	First Bank and Trust Company of Illinois Palatine, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.91%
Net Income	1.59M
Net Interest Spread	5.44%
Operating Profit to Average Assets	1.95%
Overhead Efficiency Ratio	62.64%
Return on Assets	1.42%
Return on Equity	8.73%