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First Nations Bank

$100M-$1B Specialty: Commercial IL FDIC cert 22282

Chicago, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -3.9% year over year ($440.6M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.11%.
  • Efficiency ratio 52.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First Nations Bank has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 11.91% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.2% in tier
  • - Credit Quality Pressure: Bottom 20.0% in tier
  • - Liquidity Overhang: Bottom 25.9% in tier
  • - Capital Constraint: Bottom 68.2% in tier
  • - Non-Interest Income / Assets 0.54% below tier average
  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.71% below tier average
Get updates when First Nations Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $536.6M
-2.4% YoY -1.4% QoQ
+$150.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $411.8M
-7.1% YoY +0.2% QoQ
+$153.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $440.6M
-3.9% YoY -0.2% QoQ
+$113.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.11%
+13.1% YoY +2.4% QoQ
-0.21% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.28%
+8.4% YoY -0.1% QoQ
-0.71% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 52.57%
-3.7% YoY -1.9% QoQ
-11.91% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.13%
+0.0% QoQ
-0.79% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 93.46%
-3.4% YoY +0.4% QoQ
+15.51% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 16.48%
+10.7% YoY -1.6% QoQ
-5.55% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.10%
+1.6% QoQ
-0.57% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 18.51%
+18.6% YoY +2.0% QoQ
+2.61% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.03%
+8.0% YoY +142.0% QoQ
-0.54% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 2.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.5%
+1.6pp YoY
-0.3pp QoQ
 -5.7pp 22.1% 20.1% 22.2% 30%
Brokered Deposits 12.3%
+3.3pp YoY
-0.7pp QoQ
 +4.5pp 7.9% 8.0% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 6.5%
-0.4pp YoY
-0.3pp QoQ
 -5.1pp 11.6% 14.7% 12.5% 29%
CRE 86.3%
-0.9pp YoY
+0.2pp QoQ
 +46.8pp 39.5% 37.9% 41.4% 99%
1-4 Family 8.3%
+1.2pp YoY
0.0pp QoQ
 -24.3pp 32.6% 28.3% 31.3% 9%
Consumer 0.7%
0.0pp YoY
+0.1pp QoQ
 -3.4pp 4.1% 5.4% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 18.5%
+2.9pp YoY
+0.4pp QoQ
 -0.3pp 18.8% 19.9% 19.7% 72%
Leverage Ratio 14.1%
+1.6pp YoY
+0.5pp QoQ
 +1.9pp 12.2% 12.2% 12.6% 82%
Total Capital Ratio 19.8%
+2.9pp YoY
+0.4pp QoQ
 -0.2pp 19.9% 20.9% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 38
-1 (-2.6%) YoY
-1 (-2.6%) QoQ
 -21 58 228 482 39%
Assets per Employee ($) $14.1M
+0.2% YoY
+1.2% QoQ
 +$6.6M $7.5M $8.3M $8.8M 96%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 22%
Allowance Coverage 14.46x
-0.2% QoQ
 -9.70x 24.15x 5.62x 20.23x 86%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.2%
+0.3pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 10.5% 11.6% 26%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 86%
Net Income ($, YTD) $3.0M
+12.8% YoY
— QoQ
 +$454K $2.6M $11.7M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#9 of 691 • Bottom 1.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.46%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#252 of 1256 • Bottom 20.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#193 of 742 • Bottom 25.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.51%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.46%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Capital Constraint

risk
#74 of 107 • Bottom 68.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.46%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 18.51%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

457
Tier 1 Capital Ratio
capital
Value: 18.51%
Peer Median: 15.91%
#457 of 2643 Top 17.3% in $100M-$1B
521
Total Loans
size
Value: $411.75M
Peer Median: $258.35M
#521 of 2643 Top 19.7% in $100M-$1B
584
Efficiency Ratio
profitability
Value: 52.57%
Peer Median: 64.48%
#584 of 2643 Top 22.1% in $100M-$1B
661
Total Assets
size
Value: $536.61M
Peer Median: $386.57M
#661 of 2643 Top 25.0% in $100M-$1B

Top Weaknesses (3 metrics)

2587
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2587 of 2643 Bottom 2.2% in $100M-$1B
2143
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2143 of 2643 Bottom 19.0% in $100M-$1B
2136
Loan-to-Deposit Ratio
liquidity
Value: 93.46%
Peer Median: 77.95%
#2136 of 2643 Bottom 19.2% in $100M-$1B
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