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First American Bank
Elk Grove Village, IL·FDIC Cert #3657·Charter: STATE·Est. 19010326.0·HC: FIRST AMERICAN BANK CORP
Total Assets
$8.1B
Q4 2025
Return on Assets
1.72%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.53%
Peer avg: 56.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
68
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.72%+0.03
ROE
21.46%+0.11
Efficiency
56.53%-0.07
Equity/Assets
0.00%+0.00
NPL Ratio
0.83%+0.43
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
61.65%+1.12
Charge-offs
0.07%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.7 | 1.6 | 1.6 | 1.7 | 1.7 |
| ROE | 21.6 | 21.3 | 21.1 | 21.1 | 20.4 | 20.7 | 21.4 | 21.5 |
| Efficiency | 55.6 | 55.9 | 55.9 | 56.3 | 59.0 | 57.7 | 56.6 | 56.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.5 | 0.5 | 0.5 | 0.3 | 0.4 | 0.4 | 0.8 |
| Charge-offs | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 57.8 | 59.4 | 58.1 | 58.6 | 58.6 | 60.8 | 60.5 | 61.6 |
Balance Sheet
Total Assets$8.1B
Total Deposits$5.1B
Total Loans$3.1B
Total Equity$688.9M
Profitability
ROA1.72%
ROE21.46%
Efficiency Ratio56.53%
Net Income$135.9M
Risk & Asset Quality
NPL Ratio0.83%
Charge-off Rate0.07%
Loan/Deposit61.65%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans