PackageTrendsPeer
Letter portraitLegal landscape

First Bank of Manhattan

Manhattan, IL · Cert 3702 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Manhattan Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$265.9MAssets
$151.8MLoans
$239.3MDeposits
$25.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: equity / assets trails 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 40 of 57).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.10%

Rank 21 of 57

Net Interest Margin

3.47%

Rank 34 of 57

Efficiency Ratio

61.98%

Rank 19 of 57

Equity / Assets

9.69%

Rank 40 of 57

Non-interest income vs. expense

$0.8M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 68% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 61.98%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.51%0.84%1.19%Beats 63%21 / 57
Return on Equity11.40%3.13%7.76%11.40%Beats 72%16 / 57
Net Interest Margin3.47%3.16%3.63%4.08%Beats 40%34 / 57
Efficiency Ratio61.98%59.57%69.70%81.06%Beats 68%19 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 55%26 / 56
Capital
Tier 1 Capital Ratio19.26%12.24%16.06%19.69%Beats 70%17 / 57
Total Risk-Based Capital Ratio20.51%12.54%16.50%20.95%Beats 72%16 / 57
Equity / Assets9.69%9.37%11.56%15.00%Beats 30%40 / 57
Liquidity & Funding
Loans / Deposits63.42%66.29%85.59%95.16%18th pctl47 / 57
Loans / Assets57.07%57.07%71.07%78.13%25th pctl43 / 57
Brokered Deposits / Depositsn/aNot reported for this institution