First American Bank
First American Bank reported total assets of $8.6 bn at Q2 2026, up 6.4% on a year earlier, the 186th largest of 497 banks in our US coverage. The CET1 capital ratio at First American Bank was 13.77%, and the uninsured share of First American Bank was 44.58%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, First American Bank slipped from 161st to 289th among 500 US banks between and (1 = highest; FDIC Call Reports).
- First American Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 7.58% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- The net charge-offs to average loans of First American Bank, -0.01% at , places First American Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 0.06%; FDIC Call Reports).
What sets First American Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower loan-to-deposit ratio than First American Bank, at 60.13% in ; the group median is 88.61%.
- Since , First American Bank has taken over 2 institutions; the latest was Continental National Bank on .
How large is First American Bank?
The balance sheet of First American Bank at : assets $8.6 bn, deposits $5.6 bn, net loans $3.3 bn (loans equal to 60.13% of deposits). Securities make up 55.0% of total assets at First American Bank. Since , when First American Bank held $3.4 bn, its assets grew 154.5%. In the year to , deposits at First American Bank rose 10.6% while its total assets rose 6.4%. At , First American Bank employed 861 full-time equivalent staff across 58 offices, about $10.0 mn of assets per employee and $95.7 mn of deposits per office.
How much funding at First American Bank is uninsured?
At First American Bank, uninsured deposits (above the FDIC limit) made up 44.58% of domestic deposits at (-11.31 pp on a year earlier); First American Bank ranks 144th of 500 on this measure. In dollars, First American Bank estimated $2.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +10.6% | 226th of 499 |
| Net loans and leases | $3.3 bn | +9.4% | 296th of 500 |
| Loan-to-deposit ratio | 60.13% | -0.67 pp | 456th of 500 |
| Tier 1 leverage ratio | 7.58% | +0.42 pp | 484th of 500 |
| Total risk-based capital ratio | 14.80% | +0.74 pp | 186th of 448 |
| Net interest margin | 3.53% | -0.19 pp | 289th of 500 |
| Return on assets (ROA) | 1.52% | -0.11 pp | 147th of 500 |
| Efficiency ratio | 58.30% | +0.56 pp | 302nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $79.2 mn | Widened by $10.3 mn | |
| Noncurrent loans to total loans | 0.60% | +0.20 pp | 246th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.08 pp | 26th of 500 (1 = lowest) |
US rank of First American Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First American Bank: assets, deposits and loans
- Total assets $8.6bn
- Deposits $5.6bn
- Net loans $3.3bn
Capital and securities
The CET1 ratio of First American Bank stood at 13.77% in , +0.72 pp year on year. Low and high at First American Bank since : 11.88% () to 18.06% (). Equity capital of First American Bank at : $694.5 mn, or 8.1% of total assets. First American Bank also reported a total capital ratio of 14.80% for , and a tier 1 leverage ratio of 7.58%.
The available-for-sale portfolio of First American Bank showed an unrealized loss of $79.2 mn at ; the loss widened by $10.3 mn over the year.
First American Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 7.6%
First American Bank: unrealized securities gains and losses
- Available for sale -$79mn
- Held to maturity $0
Profitability and loan quality
For the year to , First American Bank earned a return on equity of 18.30%; return on assets: 1.52%. Net interest margin at First American Bank: 3.53%, -0.19 pp in a year. First American Bank net income: $63.2 mn, down 0.5% year on year. The efficiency ratio of First American Bank was 58.30%: about 58 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at First American Bank; net charge-offs: -0.01% of average loans. Gross loans and leases at First American Bank: $3.4 bn, up 9.4% in a year.
First American Bank: profitability
- Return on equity 18%
- Net interest margin 3.5%
- Return on assets 1.5%
Peer group of First American Bank
The peer group of First American Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of First American Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, First American Bank shows CET1 ratio 13.77% against a peer median of 18.51%, return on equity 18.30% against a peer median of 8.14% and uninsured deposit share 44.58% against a peer median of 37.33%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | State nonmember bank | NJ | $8.5 bn | not reported | 0.99% | 33.35% | |
| Forbright Bank | State nonmember bank | MD | $8.5 bn | not reported | 5.25% | 13.95% | |
. FDIC Call Reports.
Last eight quarters
Two years at First American Bank, to : assets +18.7%, deposits +11.2%, equity +19.1%. Staff 877 to 861; offices 59 to 58.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.3 bn | $7.4 bn | $7.8 bn | $8.1 bn | $8.1 bn | $8.1 bn | $8.2 bn | $8.6 bn |
| Total deposits | $5.0 bn | $5.0 bn | $5.1 bn | $5.0 bn | $5.1 bn | $5.1 bn | $5.2 bn | $5.6 bn |
| Bank equity capital | $583.1 mn | $605.1 mn | $626.1 mn | $607.1 mn | $639.3 mn | $688.9 mn | $687.7 mn | $694.5 mn |
| CET1 ratio | 13.16% | 13.42% | 13.60% | 13.05% | 13.62% | 14.27% | 14.33% | 13.77% |
| Return on equity (ROE) | 21.10% | 21.13% | 20.37% | 20.71% | 21.35% | 21.46% | 17.91% | 18.30% |
| Uninsured share of domestic deposits | 55.66% | 55.40% | 55.35% | 55.89% | 56.43% | 56.47% | 57.72% | 44.58% |
| Full-time equivalent employees | 877 | 879 | 890 | 888 | 880 | 881 | 861 | 861 |
| Number of offices | 59 | 59 | 59 | 59 | 59 | 59 | 58 | 58 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First American Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Southport Bank (FDIC certificate 34289).
- . Absorbed Continental National Bank (FDIC certificate 21578).
Questions and identifiers
What were the total assets of First American Bank?
First American Bank reported $8.6 bn at in its Call Report. That makes First American Bank the 186th largest of 497 banks in our US coverage.
Is First American Bank the same as its holding company?
No. This page covers First American Bank, FDIC certificate 3657; FIRST AMERICAN BANK CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First American Bank profitable?
First American Bank reported net income of $63.2 mn for the year to ; annualized return on equity: 18.30%. So yes: First American Bank made a profit over these months.
When is data for First American Bank next updated?
Figures from First American Bank for are due after .
Where can I check the figures for First American Bank?
In the FDIC BankFind Suite record for certificate 3657, and in the Call Reports of First American Bank (RSSD ID 850036) at the FFIEC Central Data Repository.