First Trust Bank of Illinois is a state-chartered bank headquartered in Kankakee, Illinois, in business for about 28 years. At the end of Q2 2026 it reported $406.3M in total assets and $324.4M in deposits, with 5 offices.
First Trust Bank of Illinois has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 154th. Funding & liquidity contributes the most (94/100, 44% loans-to-deposits, 21% uninsured); capital cushion contributes the least (53/100, 10.26%).
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 rose 11 points (60 → 71), mostly because the loan quality component improved by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 69 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.33% |
| Q3 2024 | 10.97% |
| Q4 2024 | 10.70% |
| Q1 2025 | 10.18% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.45% |
| Q1 2026 | 10.49% |
| Q2 2026 | 10.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.76% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.71% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.82% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $406.3M | 10.26% | 0.71% | 1.05% | 44.2% |
| Q1 2026 | 70 | $394.3M | 10.49% | 0.95% | 1.09% | 44.5% |
| Q4 2025 | 60 | $384.4M | 10.45% | 1.76% | 0.82% | 48.8% |
| Q3 2025 | 60 | $389.5M | 10.63% | 1.84% | 0.81% | 49.3% |
| Q2 2025 | 60 | $377.0M | 10.28% | 1.69% | 0.76% | 49.6% |
| Q1 2025 | 65 | $386.5M | 10.18% | 0.97% | 0.66% | 47.4% |
| Q4 2024 | 66 | $368.9M | 10.70% | 0.98% | 0.64% | 49.4% |
| Q3 2024 | 69 | $366.9M | 10.97% | 0.84% | 0.68% | 50.0% |
| Q2 2024 | 66 | $359.9M | 10.33% | 0.99% | 0.71% | 50.1% |
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 |
|---|---|---|---|---|---|
| Community Savings BankBank Chicago, IL | 75 out of 100, Strong | $410.2M | 13.5% | 0.20% | vs |
| Alliance Community BankBank Petersburg, IL | 70 out of 100, Strong | $414.5M | 9.1% | 0.55% | vs |
| First Secure Bank and Trust Co.Bank Palos Hills, IL | 39 out of 100, Low | $396.2M | 11.5% | 6.29% | vs |
| First National Bank of PanaBank Pana, IL | 78 out of 100, Strong | $394.8M | 10.5% | 0.07% | vs |
| Devon BankBank Chicago, IL | 50 out of 100, Below average | $418.6M | 6.3% | 0.27% | vs |
| First National Bank of BrookfieldBank Brookfield, IL | 82 out of 100, Strong | $419.6M | 13.0% | 0.00% | vs |
Deposit insurance
Is my money safe at First Trust Bank of Illinois?
Yes. First Trust Bank of Illinois is an FDIC-insured institution (FDIC certificate #34778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.0% of deposits ($68.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).
5 locations
Branches
First Trust Bank of Illinois lists 5 offices in 4 cities. Most locations:
- Kankakee, IL (2)
- Aroma Park, IL (1)
- Bourbonnais, IL (1)
- Danforth, IL (1)
HMDA 2025
Mortgage lending
In 2025, First Trust Bank of Illinois reported 81 home-loan applications under HMDA (LEI 549300T3MSPBPSPZLR85): 64 originated ($9,200,000 total), 8 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, 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 Trust Bank of Illinois
- Type
- State-chartered bank
- FDIC certificate #
- 34778
- RSSD ID
- 2718596
- Primary regulator
- FDIC
- Holding company
- First Trust Financial Corp
- Established
- July 30, 1998
- Headquarters
- 275 E Court St, Kankakee, IL 60901
- Website
- www.firsttrustbankil.com
- Employees
- 34
Quick answers
First Trust Bank of Illinois: common questions
Is First Trust Bank of Illinois FDIC insured?
Yes. First Trust Bank of Illinois is an FDIC-insured institution (FDIC certificate #34778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Trust Bank of Illinois's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Trust Bank of Illinois ever failed?
There is no failure record for FDIC certificate #34778 in the FDIC failed bank list.
How many branches does First Trust Bank of Illinois have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kankakee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Municipal Trust and Savings BankBank Bourbonnais, IL | 95 out of 100, Very strong | $382.2M | 15.6% | 0.04% | vs |
| First Community Bank and TrustBank Beecher, IL | 91 out of 100, Very strong | $201.7M | 13.5% | 0.00% | vs |
| Grundy BankBank Morris, IL | 85 out of 100, Very strong | $504.7M | 12.6% | 0.20% | vs |
| Fieldstone Credit UnionCredit union Bradley, IL | 84 out of 100, Strong | $61.7M | 14.0% | 0.69% | vs |
| Commonwealth Credit UnionCredit union Bourbonnais, IL | 83 out of 100, Strong | $128.1M | 13.2% | 0.43% | vs |