# FIRST AMERICAN BANK
ELK GROVE VILLAG, IL · FDIC certificate 3657 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.63B | |
| Deposits | $5.55B | |
| Loans and leases | $3.38B | |
| Total equity | $694.5M | |
| Loans / deposits | 60.13% (p8 of band) | 87.10% |
| Liquid assets / assets | 56.85% (p97 of band) | |
| Uninsured deposits / deposits | 44.58% (p82 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 25.53% (p93 of band) | |
| FHLB advances / assets | 25.53% | |
| Tier 1 leverage | 7.58% (p2 of band) | 10.50% |
| Unrealized securities loss / equity | -11.47% (p37 of band) | -7.75% |
| AOCI / equity | -1.16% (p15 of band) | |
| ROA (annualized) | 1.52% (p70 of band) | 1.26% |
| Net interest margin | 3.53% (p39 of band) | 3.70% |
| Efficiency ratio | 58.30% (p48 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 225.65% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 52.70% (p56 of band) | |
| Auto loans | $501.1M (14.80% of loans; DQ 0.92%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 861 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | losing money |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | NIM <2.5% |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | NIM <2.5% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | brokered >10% |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | capital falling, reserve under noncurrent |  |
| 2018-09 | 4 | brokered >10% |  |
| 2018-12 | 4 | leverage <7% | brokered >10% |
| 2019-03 | 4 | NIM <2.5% | capital falling |
| 2019-06 | 5 | expense ratio p90, charge-offs p90, assets shrinking | wholesale funding >15%, leverage <7% |
| 2019-09 | 4 | wholesale funding >15% | NIM <2.5%, charge-offs p90 |
| 2019-12 | 3 | leverage <7% | reserve under noncurrent, assets shrinking |
| 2020-03 | 7 | capital falling, AOCI drag >20% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2020-06 | 5 |  | AOCI drag >20% of equity, reserve under noncurrent |
| 2020-09 | 5 | uninsured deposits >50% | capital falling |
| 2020-12 | 4 |  | wholesale funding >15% |
| 2021-03 | 3 |  | leverage <7% |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | leverage <7%, capital falling |  |
| 2021-12 | 6 | wholesale funding >15% |  |
| 2022-03 | 5 |  | wholesale funding >15% |
| 2022-06 | 8 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 6 |  | NIM <2.5%, capital falling |
| 2022-12 | 5 |  | expense ratio p90 |
| 2023-03 | 2 |  | uninsured deposits >50%, leverage <7%, AOCI drag >20% of equity |
| 2023-06 | 1 |  | securities losses >30% of equity |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | uninsured deposits >50% |  |
| 2024-06 | 3 | leverage <7% |  |
| 2024-09 | 2 |  | leverage <7% |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-05 [First American Bank Appoints Jim Turano Commercial Group Head for Chicago Market - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPM3dBSXZXS1RfdmVpTi1wX2tvNEFnUFQxR3dXdEoxOXVQSTZ1R3BySUJOWDAxa3hxSkJZVXpjV3ZJUlJMeG1EbGZjWWFZY3lOUnJKMFV4ZWt5QXlVcXpQY2dHSndfM2VVZ3pkWHkxR2hYemUzZDNYT1B2QTRveXhDcmdnTmFqMHN6T2Fvdk04ckxEQWlfZmxBam9Ndy13TGJVdGo2RDB4dWpBaGFkMENNbHBRMmtOaThmLVJWYzBmcWU4MTNuWkpodG9hLUxOVlJ3a1Z3U1pjQ3JMa2JSckY4U042MFBUekU?oc=5) · GlobeNewswire
- 2026-03-27 [First American Bank to sell hail-damaged Kankakee branch building after storm - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQVBMdktoQmUtU0hvY05aVUNKaTYzNWZ4VWNJbk15N1YwZXpFSDBBTk1DMmludmZveUxVc2V0S19OYllObXFSam5pZl9mMjkzSS1xTDF6NE9QRTNXME9FSVFWc19teXZ3SDNGdFR5YTZrN1pBTDdYNVFjUnc0YVVGNDVrUDkzRDFsbE1wWUtGcEJESEg3M3ByQjNoekM?oc=5) · The Business Journals
- 2026-03-30 [First American Bank merging Kankakee branch into its Bourbonnais location - Shaw Local](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPRFVUUnlCd19VYktGRm9sMGNJQmdXN2FiZ19ta1hEa2hNTmpFdDRkc3JsYXZvWXQwdEJiU0pyQzM4VHczZ2U5ckFTMnBremdJZ0RKSW5QU1R6UG5PR2ZPR1RfMXJXMGxLaWlIVTNNMVBzRGE0dTlMeDdnREZQMHh1NTlkMkd3aE5WSVlzd3A2RjVXWFJUZ24wSW1jY25wRGJEcG9XcGRUZGxMWG5obkV6YThJdTZaY09IdG9XaXkzcXhpc1U?oc=5) · Shaw Local
- 2026-05-05 [First American Bank Names Wintrust Veteran Jim Turano Commercial Group Head for Chicago Market - citybiz](https://news.google.com/rss/articles/CBMizgFBVV95cUxOaVVOWEdBSDMzQV9DdkVZMXpHS0J1N01BNDk3ckg0RjdSMXVzRU03dko5UksybWRmV1pRc0czQjBPYzlDbmlaV2NaM3ROUHA1cXlNcmJORmhjd3hCQzFaQUxpTlVxNVltUWxUbDRJSHlEalo3NVpvaHNrTE5uSGtxNmJYM2VzTHduMnBLeXNHUjZaTjdvNHhyWEVZSnpCWmxMcWU0d1BmaGFtMjg0eHlrMU5WejNubU9kV21aLXFZY0FnRUlFa3daVXVuM09kQQ?oc=5) · citybiz
- 2026-03-16 [First American Bank Kankakee Branch Temporarily Closed Following Tornado Damage - GlobeNewswire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOUDhtOUpvUVYxMXFlc2RxelozWFVOdXFQNDNTQXFXQklnX0p1VDZZVVYza3F3Nk5JbDA5emFqVl9kNmZJWUFFYmhMeHY0QU15THlRbzJ6NU8tZGt4Mm1sTU9nQi1qdGtOVUV0dk1KMmZ2TEJuUHZOZnhwZk0tWHFmWG9tVGZNVV81NWJEeHA1bXVoYmd6Qkt5Rnl0TlB3T0pSWUJvZXJRU3lGUnJ1VXFRWmg3RW5BZm1xcG9fRjBUbzBCczZydHF5cmpJeGVuRmFwNGlvdXY5YkhmZHpsdGNLaGZyajdOQQ?oc=5) · GlobeNewswire
- 2020-09-16 [First American Bank to open downtown Milwaukee loan production office - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZXdFdFhkclVBTG9EWm45a1ZxN3VxdUV0VUhkNDFld1JfaDZRc3VTNzRFaWJBV295NVZZVE1rR2tRLWNKV3YtQ3N6aHIyQjhwRmZRRTN4aGxEaFhFeHV1Um1FNzRWU051WloyM2FodkFGcUNTMFdTRE5CbC05UzJLMA?oc=5) · BizTimes - Milwaukee Business News
- 2023-07-01 [FBI Chicago releases images of First American Bank robbery suspect after Round Lake, IL heist at 1865 South Cedar Lake Road - ABC7 Chicago](https://news.google.com/rss/articles/CBMiigFBVV95cUxOS3JTb1FUcjdFQngwWkZZNXZ1dTg5WkJQc092SFZLUFVYSEhUbEhzMHhpV1lIT1FiSnlpNHlqZGpacmE0dkIwd3hkdExrMkFwUUgtaURVcWpiZnBaR20wU2U5eXhMRmJlSGd6aEdlV1VfMnM4XzdEcDZ3TVlZU1E2bTYzLWtkelctZ1HSAY8BQVVfeXFMUHI2a0tPZXoycUZHdURVNTFOYVJ5QlpkVFZLeVpGQmdNLU8wa3YyVEQwMmhGamhydXNMblNVNTJXQlh0TF9NbWg0YnVfZU82M09PUnpYQS1mR3lEVTZJX3NTdDVseXY5b0RnUFU0UGFTQmhHLTBGT2tON3dOdHJ3NzRJNl84aXBMcS05Sy1qTm8?oc=5) · ABC7 Chicago
- 2026-05-06 [First American Bank Expands Chicago Middle Market Team with Courtney Joyce - GlobeNewswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxObWUxSDl0dDhEaV9xdXYxeEFjc2FFSUtOY2NIbDRIOTdJTlhGQnJBZTJKUkx0TjlnSTJFN3BHRW1LV1VqSk9YTVZmUVBaSDJSTFJUVDdYQ1EtM1pTZnBucEpIeHBmcDZyREZIUmNQNFpuUlBoekk2SVdVa1lPZS02WDlySjRES3doSXVYb1prMWprX2dOYUR6RjhSUkxNcGxpem1QbWtYR1FyZC1JeTJ5WHpxelg1bHotYkVoc0lFOFVBYXVJSXYyTF9lU0lERU04dWltVURqYkFBWGxaV0Fr?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3657 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "3657", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide