First Neighbor Bank, National Association
Toledo, IL · Cert 3747 · Peer group: banks under $1B in assets in IL (n=149-151) · First Neighborhood Bancshares Employee STK Ownership Plan
National charter · OCC · 10 branches
Q2 2026
$736.0MAssets
$528.7MLoans
$604.2MDeposits
$78.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 82% of banks under $1B in assets in IL (rank 27 of 151).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in IL (rank 140 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.21%
Rank 51 of 151
Net Interest Margin
3.98%
Rank 27 of 151
Efficiency Ratio
65.87%
Rank 84 of 151
Equity / Assets
10.71%
Rank 73 of 151
Non-interest income vs. expense
Unfavorable gap of $17.0M · efficiency ratio beats 45% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.70% | 1.03% | 1.34% | Beats 66% | 51 / 151 | |
| Return on Equity | 11.31% | 6.74% | 9.34% | 12.94% | Beats 66% | 52 / 151 | |
| Net Interest Margin | 3.98% | 3.02% | 3.43% | 3.83% | Beats 82% | 27 / 151 | |
| Efficiency Ratio | 65.87% | 54.64% | 64.89% | 72.50% | Beats 45% | 84 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.00% | 0.20% | 0.66% | 1.77% | Beats 21% | 119 / 149 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.02% | 0.07% | Beats 22% | 117 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 11.83% | 14.17% | 18.66% | Beats 9% | 137 / 151 | |
| Total Risk-Based Capital Ratio | 10.62% | 12.22% | 14.54% | 19.92% | Beats 7% | 140 / 151 | |
| Equity / Assets | 10.71% | 9.10% | 10.65% | 12.40% | Beats 52% | 73 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 87.51% | 54.39% | 71.02% | 80.75% | 87th pctl | 20 / 149 | |
| Loans / Assets | 71.83% | 45.91% | 61.31% | 68.01% | 86th pctl | 21 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |