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First Bank of Manhattan

$100M-$1B Specialty: Commercial IL FDIC cert 3702

Manhattan, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First Bank of Manhattan has 2 strengths but faces 3 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

  • + Delinquency Rate 0.89% below tier average
  • + Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.70% below tier average
  • - Efficiency Ratio 3.81% above tier average
Get updates when First Bank of Manhattan releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $263.3M
+2.3% YoY +1.0% QoQ
-$122.8M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
40%
Total Loans ? $142.5M
-1.4% YoY +0.0% QoQ
-$113.2M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
33%
Total Deposits ? $237.5M
+1.1% YoY +0.9% QoQ
-$90.4M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
42%
Return on Assets ? 1.06%
+40.8% YoY +10.5% QoQ
-0.21% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
41%
Net Interest Margin ? 3.24%
+11.7% YoY +5.9% QoQ
-0.70% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
19%
Efficiency Ratio ? 69.09%
-8.4% YoY -1.4% QoQ
+3.81% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.89% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 59.98%
-2.5% YoY -0.8% QoQ
-16.65% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
82%
Non-Interest-Bearing Deposit Share ? 31.36%
+9.3% YoY +11.7% QoQ
+9.34% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
85%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.64% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 19.07%
+3.2% YoY -0.1% QoQ
+3.24% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.07%
+6.9% YoY -75.3% QoQ
-0.21% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
33%

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 (0)

No matched concern signatures this quarter

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 (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
401
Non-Interest-Bearing Deposit Share
funding
Value: 31.36%
Peer Median: 22.02%
#401 of 2664 Top 15.0% in $100M-$1B
411
Tier 1 Capital Ratio
capital
Value: 19.07%
Peer Median: 15.83%
#411 of 2664 Top 15.4% in $100M-$1B
487
Loan-to-Deposit Ratio
liquidity
Value: 59.98%
Peer Median: 76.64%
#487 of 2664 Top 18.2% in $100M-$1B

Top Weaknesses (1 metrics)

2158
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.93%
#2158 of 2664 Bottom 19.0% in $100M-$1B
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