First American Bank
First American Bank reported total assets of $8.6 bn at Q2 2026, up 6.4% from a year earlier. That ranks 186th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 13.77%, and an estimated 44.58% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 13.14 pp on Q1 2026, to 44.58%
- Total deposits: up 5.8% on Q1 2026, to $5.6 bn
- Net loans and leases: up 5.5% on Q1 2026, to $3.3 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about First American Bank?
Its largest one-quarter change in total assets since Q1 2016 was -22.9% between Q1 2019 and Q2 2019, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its return on equity (ROE) stands out most: 18.30% at Q2 2026, above the peer median of 8.14%. By uninsured share of domestic deposits it moved from 33rd to 144th among 500 banks between Q1 2026 and Q2 2026 (1 = highest). Its tier 1 leverage ratio of 7.58% at Q2 2026 is in the lowest 5% of the 500 banks reporting it (rank 484 of 500, 1 = highest).
How large is First American Bank?
At Q2 2026 the bank held $8.6 bn of assets. Deposits were $5.6 bn and net loans and leases $3.3 bn, a loan-to-deposit ratio of 60.13%. Securities of $4.7 bn made up 55.0% of assets.
Total assets rose 154.5% between Q1 2016 and Q2 2026, from $3.4 bn.
How much of its funding is uninsured?
An estimated 44.58% of domestic deposits were above the FDIC insurance limit at Q2 2026, -13.14 pp from the previous quarter and -11.31 pp from a year earlier. That share ranks 144th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $8.6 bn | +6.4% | 186th of 497 |
| Total deposits | $5.6 bn | +10.6% | 226th of 499 |
| Net loans and leases | $3.3 bn | +9.4% | 296th of 500 |
| Bank equity capital | $694.5 mn | +14.4% | 235th of 498 |
| Common equity tier 1 (CET1) ratio | 13.77% | +0.72 pp | 172nd of 448 |
| Tier 1 leverage ratio | 7.58% | +0.42 pp | 484th of 500 |
| Return on equity (ROE) | 18.30% | -2.41 pp | 56th of 500 |
| Net interest margin | 3.53% | -0.19 pp | 289th of 500 |
| Uninsured share of domestic deposits | 44.58% | -11.31 pp | 144th of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $8.6bn
- Deposits $5.6bn
- Net loans $3.3bn
Capital and securities
The common equity tier 1 (CET1) ratio was 13.77% at Q2 2026, +0.72 pp from a year earlier. Since Q1 2016 it has ranged from 11.88% (Q4 2022) to 18.06% (Q3 2016). At Q2 2026 the tier 1 leverage ratio was 7.58% and the total risk-based capital ratio 14.80%. The median CET1 ratio of the size peers listed below was 18.51% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $79.2 mn at Q2 2026; the loss widened by $10.3 mn from a year earlier.
Capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 7.6%
Unrealized gains and losses on securities
- Available for sale -$79mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 18.30% for the year to Q2 2026, annualized, with a return on assets of 1.52% and a net interest margin of 3.53%. The margin was -0.19 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 58.30%. Net income for the year to Q2 2026 was $63.2 mn, down 0.5% on the same period a year earlier. The median return on equity of its size peers was 8.14% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.60% of total loans at Q2 2026. Net charge-offs for the year to date were -0.01% of average loans, annualized.
Profitability
- Return on equity 18%
- Net interest margin 3.5%
- Return on assets 1.5%
Compared with banks of similar size
The six banks ranked closest to First American Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, First American Bank is 4th by total assets. Its CET1 ratio of 13.77% compares with a peer median of 18.51%, its tier 1 leverage ratio of 7.58% compares with a peer median of 11.61%, and its return on equity of 18.30% compares with a peer median of 8.14%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Tompkins Bank & Trust | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | $8.5 bn | not reported | 0.99% | 33.35% | |
| Forbright Bank | $8.5 bn | not reported | 5.25% | 13.95% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 18.51%, return on equity 8.14%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
First American Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 18.7% to $8.6 bn, deposits rose 11.2% to $5.6 bn and bank equity capital rose 19.1% to $694.5 mn. Over the same period its full-time equivalent staff went from 877 to 861 and its offices went from 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Southport Bank (FDIC certificate 34289).
- . Absorbed Continental National Bank (FDIC certificate 21578).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 3657
- Federal Reserve RSSD ID
- 850036
- Head office
- Elk Grove Village, Illinois
- Holding company
- FIRST AMERICAN BANK CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1199974
- EconoMonitor ID
- EMB-US-000274
Frequently asked questions
What were First American Bank's total assets?
$8.6 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 186th among 497 banks reporting this metric (1 = highest).
Is First American Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 3657). Its holding company, FIRST AMERICAN BANK CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after First American Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 3657, and in the Call Reports filed under RSSD ID 850036 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.