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American Eagle Bank
South Elgin, IL · FDIC Certificate #57359 · Chartered 10/1
Total assets
$484.74M
Total deposits
$363.10M
Total equity
$40.70M
Net loans
$441.69M
Branches (offices)
2
Net income (YTD)
-$467.00K
Rank: #1,828 of 4,213 U.S. banks by assets · #106 of 322 in Illinois. Assets changed 1.8% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.19% |
| Return on equity | -2.21% |
| Net interest margin (YTD) | 2.52% |
| Equity to assets | 8.40% |
| Tier 1 leverage ratio | 8.53% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 121.6% |
| Real estate loans (share of loans) | 51.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $228.29M | 51.7% | |
| Commercial & industrial | $2.00M | 0.5% | |
| Consumer / individual | $212.53M | 48.1% | |
| Construction & development | $46.05M | 10.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $372.72M | $316.76M | $1.76M | $33.51M |
| Jun 2023 | $438.71M | $341.33M | $1.48M | $38.98M |
| Jun 2024 | $444.88M | $333.92M | $851.00K | $39.93M |
| Jun 2025 | $476.00M | $373.92M | $812.00K | $42.56M |
| Jun 2026 | $484.74M | $363.10M | -$467.00K | $40.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $363.10M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $363.10M.
Similar-sized banks
Wallkill Valley Federal Savings And Loan Association ($484.97M) · Rolling Hills Bank & Trust ($484.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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