TellerScore

First Bank Chicago (FDIC certificate #17470) is based in Highland Park, Illinois. Its Q2 2026 call report shows $2.2B in total assets and $1.8B in deposits and 4 offices.

First Bank Chicago has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 284th. Problem-loan coverage contributes the most (79/100, 10.6%); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.09%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.09%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 85.0% · 26.6% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.60%

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 5 points (57 → 52), mostly because the loan quality component weakened by 19 points.

TellerScore
525659Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202454
Q1 202554
Q2 202557
Q3 202556
Q4 202558
Q1 202659
Q2 202652
Tier 1 leverage ratio
5.00%7.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 202410.15%
Q4 20249.87%
Q1 20259.60%
Q2 20259.57%
Q3 20259.36%
Q4 20259.39%
Q1 20269.15%
Q2 20269.09%
Noncurrent loans
0.36%0.73%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.86%
Q3 20240.85%
Q4 20240.71%
Q1 20250.94%
Q2 20250.51%
Q3 20250.64%
Q4 20250.42%
Q1 20260.36%
Q2 20261.09%
Return on assets
-0.18%0.05%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 2024-0.04%
Q4 2024-0.18%
Q1 20250.05%
Q2 20250.10%
Q3 20250.17%
Q4 20250.23%
Q1 20260.25%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$2.2B9.09%1.09%0.28%85.0%
Q1 202659$2.2B9.15%0.36%0.25%84.0%
Q4 202558$2.2B9.39%0.42%0.23%86.5%
Q3 202556$2.1B9.36%0.64%0.17%85.6%
Q2 202557$2.0B9.57%0.51%0.10%84.1%
Q1 202554$2.0B9.60%0.94%0.05%81.0%
Q4 202454$2.0B9.87%0.71%-0.18%86.6%
Q3 202455$1.9B10.15%0.85%-0.04%79.8%
Q2 202456$1.9B10.16%0.86%-0.07%78.8%

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 ratio9.09%
14th
Total risk-based capital0.00%
13th
Problem loans1.09%
24th
Net charge-offs0.15%
24th
Return on assets0.28%
4th
Net interest margin2.10%
3rd
Efficiency ratio80.2%
7th
Loans to deposits85.0%
55th
Uninsured deposits26.6%
64th
Loan-loss reserves0.82%
16th
Texas ratio10.6%
15th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Crystal Lake Bank and Trust Company, National AssociationBank Crystal Lake, IL70 out of 100, Strong$2.3B9.7%0.34%vs
Marquette BankBank Chicago, IL66 out of 100, Moderate$2.1B8.4%0.10%vs
Peoples National Bank , N.A.Bank Mount Vernon, IL62 out of 100, Moderate$2.1B9.3%0.84%vs
American Commercial Bank & Trust, National AssociationBank Ottawa, IL66 out of 100, Moderate$2.1B9.3%0.29%vs
Blackhawk Bank & TrustBank Milan, IL76 out of 100, Strong$2.0B10.5%0.09%vs
Bank of SpringfieldBank Springfield, IL55 out of 100, Moderate$2.0B9.2%1.43%vs

Deposit insurance

Is my money safe at First Bank Chicago?

Yes. First Bank Chicago is an FDIC-insured institution (FDIC certificate #17470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.6% of deposits ($474.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Bank Chicago lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bank Chicago reported 23 home-loan applications under HMDA (LEI 5493005SBCJ71Z4XVY11): 23 originated ($68,825,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 Bank Chicago
Former names
First Bank of Highland Park; Bank of Highland Park
Type
State-chartered bank
FDIC certificate #
17470
RSSD ID
804338
Primary regulator
FDIC
Holding company
First Bank Chicago Corp
Established
July 16, 1955
Headquarters
1835 1st St, Highland Park, IL 60035
Employees
148

Quick answers

First Bank Chicago: common questions

Is First Bank Chicago FDIC insured?

Yes. First Bank Chicago is an FDIC-insured institution (FDIC certificate #17470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank Chicago's TellerScore?

52 out of 100 (Below average), 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 Chicago ever failed?

There is no failure record for FDIC certificate #17470 in the FDIC failed bank list.

How many branches does First Bank Chicago have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Highland Park

InstitutionScoreAssetsCapitalProblem loansCompare
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
1st Equity BankBank Skokie, IL85 out of 100, Very strong$130.0M16.5%0.00%vs
Brickyard BankBank Lincolnwood, IL84 out of 100, Strong$159.0M15.6%0.13%vs
Liberty Bank for SavingsBank Chicago, IL84 out of 100, Strong$868.6M24.0%0.04%vs