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First Trust Bank Of Illinois
Kankakee, IL · FDIC Certificate #34778 · Chartered 07/3
Total assets
$406.26M
Total deposits
$324.35M
Total equity
$34.62M
Net loans
$143.24M
Branches (offices)
5
Net income (YTD)
$2.06M
Rank: #2,045 of 4,213 U.S. banks by assets · #123 of 322 in Illinois. Assets changed 7.8% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 11.87% |
| Net interest margin (YTD) | 2.87% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 10.26% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.71% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 44.2% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.62M | 75.8% | |
| Commercial & industrial | $27.97M | 19.5% | |
| Consumer / individual | $1.13M | 0.8% | |
| Construction & development | $1.06M | 0.7% | |
| Agricultural | $6.74M | 4.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $363.78M | $307.22M | $1.57M | $22.99M |
| Jun 2023 | $356.44M | $300.55M | $2.61M | $25.69M |
| Jun 2024 | $359.92M | $299.62M | $1.31M | $28.21M |
| Jun 2025 | $377.02M | $304.22M | $1.44M | $29.94M |
| Jun 2026 | $406.26M | $324.35M | $2.06M | $34.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $324.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.35M.
Similar-sized banks
Bank Of The Bluegrass And Trust Company ($406.97M) · Founders Bank ($406.02M)
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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