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First Bank And Trust Company Of Illinois

IDRSSD: 646444
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 646444 held $221.5M in total assets as of 2026-03-31 (+2.6% quarter-over-quarter). Total loans stood at $124.1M (+0.2% QoQ) and total deposits at $183.1M (+2.6% QoQ).

Overall position is adequate — the composite Health Score is 62/100 (Adequate). Tier 1 / RWA stands at 25.08%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
62/100
Adequate
Active Alerts
3
0 critical, 0 warning
Total Assets
$221.5M
+2.6% QoQ
Total Loans
$124.1M
+0.2% QoQ
Total Deposits
$183.1M
+2.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
25.08%
84th pctile · n=235↑ better
CET1 / RWA
25.08%
93th pctile · n=500↑ better
Total RBC / RWA
26.33%
84th pctile · n=235↑ better
Tier 1 Leverage Ratio
25.08%
92th pctile · n=500↑ better

Liquidity

Cash / Assets
39.06%
99th pctile · n=500↑ better
+155 bp QoQ
Loans / Deposits
67.78%
36th pctile · n=492↓ better
-164 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.23%
93th pctile · n=500↓ better
+5 bp QoQ
NPA / Assets
1.84%
91th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
10.90%
86th pctile · n=500↓ better
-12 bp QoQ
Net Charge-Offs / Avg Loans
-0.06%
5th pctile · n=500↓ better
-394 bp QoQ
ALLL Coverage of NPL
47.47%
32th pctile · n=500↑ better
-236 bp QoQ

Earnings

Net Interest Margin
5.98%
98th pctile · n=500↑ better
+47 bp QoQ
Return on Assets
1.91%
83th pctile · n=500↑ better
+53 bp QoQ
Return on Equity
11.57%
52th pctile · n=500↑ better
+285 bp QoQ
Efficiency Ratio
58.08%
31th pctile · n=500↓ better
+856 bp QoQ
Pre-tax NOI / Avg Assets
2.46%
90th pctile · n=500↑ better
+126 bp QoQ

Funding

Brokered / Deposits
0.00%
31th pctile · n=492↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
28th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
2.23%
8th pctile · n=500↑ better
-7 bp QoQ
AFS Securities / Assets
0.00%
5th pctile · n=500↑ better
HTM Securities / Assets
1.44%
82th pctile · n=500↑ better
-3 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:10:36 UTC