Headquartered in Elk Grove Village, Illinois, First American Bank is a state-chartered bank with $8.6B in total assets and $5.6B in deposits as of Q2 2026. It operates 58 offices across 3 states. Its charter dates back to 1901.
First American Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 232nd. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (26/100, 7.58%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 65 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 61 |
| Q1 2026 | 59 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 6.96% |
| Q3 2024 | 7.34% |
| Q4 2024 | 7.55% |
| Q1 2025 | 7.53% |
| Q2 2025 | 7.16% |
| Q3 2025 | 7.29% |
| Q4 2025 | 7.75% |
| Q1 2026 | 7.82% |
| Q2 2026 | 7.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.72% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $8.6B | 7.58% | 0.60% | 1.52% | 60.1% |
| Q1 2026 | 59 | $8.2B | 7.82% | 0.91% | 1.51% | 60.3% |
| Q4 2025 | 61 | $8.1B | 7.75% | 0.82% | 1.72% | 61.6% |
| Q3 2025 | 64 | $8.1B | 7.29% | 0.40% | 1.69% | 60.5% |
| Q2 2025 | 63 | $8.1B | 7.16% | 0.40% | 1.63% | 60.8% |
| Q1 2025 | 65 | $7.8B | 7.53% | 0.31% | 1.65% | 58.6% |
| Q4 2024 | 64 | $7.4B | 7.55% | 0.52% | 1.71% | 58.6% |
| Q3 2024 | 63 | $7.3B | 7.34% | 0.47% | 1.70% | 58.1% |
| Q2 2024 | 62 | $7.1B | 6.96% | 0.54% | 1.72% | 59.4% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| Lake Forest Bank & Trust Company, National AssociationBank Lake Forest, IL | 71 out of 100, Strong | $9.3B | 9.9% | 0.34% | vs |
| Wintrust Bank, National AssociationBank Chicago, IL | 75 out of 100, Strong | $9.6B | 11.4% | 0.36% | vs |
| Byline BankBank Chicago, IL | 74 out of 100, Strong | $9.9B | 12.9% | 0.93% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
Deposit insurance
Is my money safe at First American Bank?
Yes. First American Bank is an FDIC-insured institution (FDIC certificate #3657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.6% of deposits ($2.5B) 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 7.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).
58 locations
Branches
First American Bank lists 57 offices in 43 cities across 3 states. Most locations:
- Chicago, IL (8)
- Miami, FL (3)
- Bolingbrook, IL (2)
- Elk Grove Village, IL (2)
- Joliet, IL (2)
- Kenosha, WI (2)
- Naperville, IL (2)
- Addison, IL (1)
- Aurora, IL (1)
- Bartlett, IL (1)
- Bloomingdale, IL (1)
- Bourbonnais, IL (1)
HMDA 2025
Mortgage lending
In 2025, First American Bank reported 4,280 home-loan applications under HMDA (LEI XC7Z0BA39TU7L1AKOJ12): 2,588 originated ($518,440,000 total), 1,308 denied, and 316 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First American Bank
- Former names
- First American Bank of Dundee; First American Bank of Kane County; The First Bank of Dundee; The First National Bank of Dundee
- Type
- State-chartered bank
- FDIC certificate #
- 3657
- RSSD ID
- 850036
- Primary regulator
- FDIC
- Holding company
- First American Bank Corp
- Established
- March 26, 1901
- Headquarters
- 700 Busse Rd, Elk Grove Village, IL 60007
- Website
- www.firstambank.com
- Employees
- 861
Quick answers
First American Bank: common questions
Is First American Bank FDIC insured?
Yes. First American Bank is an FDIC-insured institution (FDIC certificate #3657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First American Bank's TellerScore?
63 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 First American Bank ever failed?
There is no failure record for FDIC certificate #3657 in the FDIC failed bank list.
How many branches does First American Bank have?
58 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Elk Grove Village
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |