First Neighbor Bank, National Association
Total assets
$736.0M
▲ +11.1% YoY
Deposits
$604.2M
▲ +12.1% YoY
Loans
$522.0M
▼ -2.2% YoY
Offices
10
FIRST NEIGHBORHOOD BANCSHARES EMPLOYEE STK OWNERSHIP PLAN
ROA (annualized)
1.22%
peers 1.28%
ROE (annualized)
11.52%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.9% | +6.2 pts |
| Deposit growth (YoY) | +12.1% | +4.3% | +7.7 pts |
| Loan growth (YoY) | -2.2% | +5.3% | -7.5 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 11.5% | 12.4% | -0.9 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 1933
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST NEIGHBORHOOD BANCSHARES EMPLOYEE STK OWNERSHIP PLAN
- Specialization
- Agricultural Specialization
- Address
- 201 N Meridian St, Toledo, IL, 62468
- County
- Cumberland
- Metro area
- Charleston-Mattoon, IL
- Offices
- 10
- FDIC cert #
- 3747
- RSSD ID
- 413646
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $736.0M | $604.2M | $522.0M | $78.9M | $4.5M | 1.22% | 4.30% | 1.44% |
| Q1 2026 | $739.8M | $609.0M | $517.0M | $77.7M | $2.5M | 1.36% | 4.35% | 1.83% |
| Q4 2025 | $717.9M | $589.8M | $539.0M | $75.7M | $8.1M | 1.19% | 4.38% | 2.57% |
| Q3 2025 | $708.9M | $583.1M | $535.1M | $73.5M | $5.6M | 1.11% | 4.38% | 2.68% |
| Q2 2025 | $662.3M | $539.1M | $533.5M | $70.5M | $3.7M | 1.12% | 4.47% | 2.53% |
| Q1 2025 | $664.3M | $543.4M | $523.3M | $69.3M | $1.9M | 1.14% | 4.44% | 1.88% |
| Q4 2024 | $643.8M | $524.3M | $515.8M | $66.9M | $7.0M | 1.13% | 4.41% | 1.93% |
| Q3 2024 | $634.6M | $514.6M | $500.3M | $66.3M | $4.7M | 1.01% | 4.37% | 1.15% |
Loan mix (Q2 2026): real estate $331.6M · commercial $102.9M · consumer $29.6M · securities $85.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.89% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 63th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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