🏦Bank Scorer

FIRST TRUST BANK OF ILLINOIS

KANKAKEE, IL · Supervised by FDIC

Est. 1998FDIC #34,778RSSD: FDIC-34778
Part ofFIRST TRUST FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

275 E Court St, KANKAKEE, IL

County

Kankakee County

Established

July 30, 1998

Total Assets

$394M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$394M

Total Deposits

$318M

Net Loans

$141M

Net Income

$1M

ROA

1.09%

ROE

12.13%

Risk-Based Capital

16.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.28%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$304M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248677.91%16.28%
20239481.91%9.57%
202213584.44%9.63%
202119384.46%7.25%
202023675.85%13.56%
20195689.29%7.14%
20186075%15.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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