First Bank and Trust Company of Illinois is a state-chartered bank headquartered in Palatine, Illinois, in business for about 64 years. At the end of Q2 2026 it reported $228.6M in total assets and $189.5M in deposits, with 1 office.
Based on its Q2 2026 filing, First Bank and Trust Company of Illinois scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 244th. Its strongest component is capital cushion (100/100; 15.91%), and its lowest is loan quality (0/100; 8.37%).
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
From Q2 2025 to Q2 2026, the score fell 6 points (67 → 61), mostly because the problem-loan coverage component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 55 |
| Q4 2024 | 46 |
| Q1 2025 | 50 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 69 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.29% |
| Q3 2024 | 15.45% |
| Q4 2024 | 14.19% |
| Q1 2025 | 13.85% |
| Q2 2025 | 14.31% |
| Q3 2025 | 14.72% |
| Q4 2025 | 15.41% |
| Q1 2026 | 16.09% |
| Q2 2026 | 15.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.42% |
| Q3 2024 | 6.23% |
| Q4 2024 | 5.63% |
| Q1 2025 | 3.94% |
| Q2 2025 | 4.53% |
| Q3 2025 | 4.60% |
| Q4 2025 | 3.18% |
| Q1 2026 | 3.23% |
| Q2 2026 | 8.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.85% |
| Q3 2024 | 0.63% |
| Q4 2024 | -1.29% |
| Q1 2025 | -0.07% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.93% |
| Q4 2025 | 1.80% |
| Q1 2026 | 1.91% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $228.6M | 15.91% | 8.37% | 1.43% | 67.2% |
| Q1 2026 | 69 | $221.5M | 16.09% | 3.23% | 1.91% | 67.8% |
| Q4 2025 | 69 | $215.9M | 15.41% | 3.18% | 1.80% | 69.4% |
| Q3 2025 | 69 | $228.6M | 14.72% | 4.60% | 1.93% | 57.4% |
| Q2 2025 | 67 | $222.3M | 14.31% | 4.53% | 1.84% | 59.7% |
| Q1 2025 | 50 | $224.5M | 13.85% | 3.94% | -0.07% | 67.2% |
| Q4 2024 | 46 | $206.0M | 14.19% | 5.63% | -1.29% | 73.8% |
| Q3 2024 | 55 | $213.9M | 15.45% | 6.23% | 0.63% | 87.0% |
| Q2 2024 | 67 | $215.1M | 16.29% | 4.42% | 2.85% | 90.2% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Eagle Valley BankBank Griggsville, IL | 72 out of 100, Strong | $229.6M | 10.4% | 0.60% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |
| West Central BankBank Ashland, IL | 60 out of 100, Moderate | $232.2M | 11.9% | 2.10% | vs |
| Anna-Jonesboro National BankBank Anna, IL | 65 out of 100, Moderate | $234.2M | 14.6% | 3.00% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
Deposit insurance
Is my money safe at First Bank and Trust Company of Illinois?
Yes. First Bank and Trust Company of Illinois is an FDIC-insured institution (FDIC certificate #18641). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.3% of deposits ($64.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.28% (benchmark: 10%).
1 location
Branches
First Bank and Trust Company of Illinois lists 1 office in 1 city. Most locations:
- Palatine, IL (1)
Identity & history
Profile
- Legal name
- First Bank and Trust Company of Illinois
- Former names
- First State Bank of Palatine
- Type
- State-chartered bank
- FDIC certificate #
- 18641
- RSSD ID
- 646444
- Primary regulator
- FDIC
- Holding company
- Amerinational Cmty Services Llc
- Established
- December 20, 1962
- Headquarters
- 300 E Northwest Hwy, Palatine, IL 60067
- Website
- www.firstbankillinois.com
- Employees
- 28
Quick answers
First Bank and Trust Company of Illinois: common questions
Is First Bank and Trust Company of Illinois FDIC insured?
Yes. First Bank and Trust Company of Illinois is an FDIC-insured institution (FDIC certificate #18641). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank and Trust Company of Illinois's TellerScore?
61 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 Bank and Trust Company of Illinois ever failed?
There is no failure record for FDIC certificate #18641 in the FDIC failed bank list.
How many branches does First Bank and Trust Company of Illinois have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Palatine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL | 86 out of 100, Very strong | $41.4M | 13.7% | 0.09% | vs |
| 1st Equity BankBank Skokie, IL | 85 out of 100, Very strong | $130.0M | 16.5% | 0.00% | vs |