TellerScore

Headquartered in Chicago, Illinois, Amalgamated Bank of Chicago is a state-chartered bank with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1922.

Based on its Q2 2026 filing, Amalgamated Bank of Chicago scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 188th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is funding & liquidity (45/100; 74% loans-to-deposits, 52% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.41%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 52.4% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (57 → 68), mostly because the loan quality component improved by 27 points.

TellerScore
566369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202465
Q4 202456
Q1 202557
Q2 202557
Q3 202563
Q4 202565
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%8.27%11.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.71%
Q3 202410.66%
Q4 202410.34%
Q1 202511.08%
Q2 202511.02%
Q3 202511.23%
Q4 202510.59%
Q1 202611.55%
Q2 202611.41%
Noncurrent loans
0.02%0.75%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.42%
Q4 20241.42%
Q1 20251.47%
Q2 20251.47%
Q3 20250.98%
Q4 20250.99%
Q1 20260.68%
Q2 20260.67%
Return on assets
0.82%0.98%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.89%
Q4 20240.91%
Q1 20250.82%
Q2 20250.83%
Q3 20250.96%
Q4 20251.00%
Q1 20261.04%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.3B11.41%0.67%1.13%73.7%
Q1 202667$1.3B11.55%0.68%1.04%74.9%
Q4 202565$1.5B10.59%0.99%1.00%60.3%
Q3 202563$1.3B11.23%0.98%0.96%71.3%
Q2 202557$1.3B11.02%1.47%0.83%66.8%
Q1 202557$1.2B11.08%1.47%0.82%71.6%
Q4 202456$1.4B10.34%1.42%0.91%60.2%
Q3 202465$1.2B10.66%0.42%0.89%73.8%
Q2 202469$1.2B10.71%0.02%0.87%68.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.41%
68th
Total risk-based capital16.63%
81st
Problem loans0.67%
39th
Net charge-offs-0.01%
93rd
Return on assets1.13%
40th
Net interest margin3.53%
38th
Efficiency ratio66.1%
29th
Loans to deposits73.7%
78th
Uninsured deposits52.4%
8th
Loan-loss reserves1.01%
33rd
Texas ratio3.8%
47th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Bankers Trust Company, National AssociationBank Quincy, IL57 out of 100, Moderate$1.2B10.0%1.28%vs
Central Bank IllinoisBank Geneseo, IL55 out of 100, Moderate$1.5B10.4%1.85%vs
Bank of PontiacBank Pontiac, IL72 out of 100, Strong$1.2B10.4%0.27%vs
American Community Bank & TrustBank Woodstock, IL64 out of 100, Moderate$1.2B10.6%1.00%vs
Dieterich BankBank Effingham, IL46 out of 100, Below average$1.6B8.4%1.87%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs

Deposit insurance

Is my money safe at Amalgamated Bank of Chicago?

Yes. Amalgamated Bank of Chicago is an FDIC-insured institution (FDIC certificate #903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.4% of deposits ($598.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.63% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Amalgamated Bank of Chicago lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Amalgamated Bank of Chicago
Former names
Amalgamated Trust & Savings Bank
Type
State-chartered bank
FDIC certificate #
903
RSSD ID
397531
Primary regulator
FDIC
Holding company
Amalgamated Investments Co
Established
June 30, 1922
Headquarters
20101 N Wacker Dr, Chicago, IL 60606
Employees
149

Quick answers

Amalgamated Bank of Chicago: common questions

Is Amalgamated Bank of Chicago FDIC insured?

Yes. Amalgamated Bank of Chicago is an FDIC-insured institution (FDIC certificate #903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Amalgamated Bank of Chicago's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Amalgamated Bank of Chicago ever failed?

There is no failure record for FDIC certificate #903 in the FDIC failed bank list.

How many branches does Amalgamated Bank of Chicago have?

2 offices as of the latest FDIC data.

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