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First Nations Bank

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

Chicago, IL

3 branches across IL

2664 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 11.69% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.3% in tier
  • - Credit Quality Pressure: Bottom 20.3% in tier
  • - Liquidity Overhang: Bottom 25.8% in tier
  • - Flatlined Growth: Bottom 43.8% in tier
  • - Non-Interest Income / Assets 0.27% below tier average
  • - ROA 0.18% below tier average
  • - Net Interest Margin 0.65% below tier average
Get updates when First Nations Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $544.2M
+0.3% YoY +0.7% QoQ
+$158.1M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
76%
Total Loans ? $411.1M
-5.6% YoY -4.4% QoQ
+$155.4M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
81%
Total Deposits ? $441.7M
-1.6% YoY -0.0% QoQ
+$113.7M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
74%
Return on Assets ? 1.09%
+19.6% YoY -2.5% QoQ
-0.18% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
43%
Net Interest Margin ? 3.28%
+11.3% YoY +3.2% QoQ
-0.65% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
21%
Efficiency Ratio ? 53.60%
-6.2% YoY +5.1% QoQ
-11.69% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
77%
Delinquency Rate ? 0.13%
+4.6% QoQ
-0.76% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 93.07%
-4.1% YoY -4.4% QoQ
+16.43% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
18%
Non-Interest-Bearing Deposit Share ? 16.75%
+11.6% YoY +5.9% QoQ
-5.27% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
31%
Nonperforming Asset Ratio ? 0.10%
-0.7% QoQ
-0.54% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
71%
Tier 1 Capital Ratio ? 18.15%
+16.4% YoY +7.7% QoQ
+2.32% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.01%
-23.2% YoY -78.7% QoQ
-0.27% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
Bottom 1.9% in tier

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
#16 of 643 • Bottom 2.3% 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: 93.07%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#267 of 1308 • Bottom 20.3% 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: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#192 of 739 • Bottom 25.8% 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: 18.15%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 93.07%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#225 of 512 • Bottom 43.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.09%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

496
Tier 1 Capital Ratio
capital
Value: 18.15%
Peer Median: 15.83%
#496 of 2664 Top 18.6% in $100M-$1B
514
Total Loans
size
Value: $411.07M
Peer Median: $255.72M
#514 of 2664 Top 19.3% in $100M-$1B
606
Efficiency Ratio
profitability
Value: 53.60%
Peer Median: 65.29%
#606 of 2664 Top 22.7% in $100M-$1B
637
Total Assets
size
Value: $544.23M
Peer Median: $386.08M
#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (3 metrics)

2615
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.28%
#2615 of 2664 Bottom 1.9% in $100M-$1B
2179
Loan-to-Deposit Ratio
liquidity
Value: 93.07%
Peer Median: 76.64%
#2179 of 2664 Bottom 18.2% in $100M-$1B
2110
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.93%
#2110 of 2664 Bottom 20.8% in $100M-$1B
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