BlastPoint

BlastPoint's Banking Scorecard

First Bank of Manhattan

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

Manhattan, 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 -3.0% year over year ($239.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.42%.
  • Efficiency ratio 61.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.68% 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 Bank of Manhattan has 4 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.10% above tier average
  • + Efficiency Ratio 2.49% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 39.8% in tier
  • - Flatlined Growth: Bottom 44.6% in tier
  • - Net Interest Margin 0.46% below tier average
Get updates when First Bank of Manhattan releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $265.9M
-1.5% YoY +1.0% QoQ
-$120.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $150.0M
+6.3% YoY +5.3% QoQ
-$108.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $239.3M
-3.0% YoY +0.7% QoQ
-$87.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.42%
+73.5% YoY +34.2% QoQ
+0.10% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 3.53%
+19.6% YoY +9.1% QoQ
-0.46% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 61.98%
-15.9% YoY -10.3% QoQ
-2.49% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 62.68%
+9.6% YoY +4.5% QoQ
-15.27% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 28.45%
+0.2% YoY -9.3% QoQ
+6.42% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 19.26%
+2.6% YoY +1.0% QoQ
+3.35% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.16%
+23.5% YoY +120.8% QoQ
-0.41% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
37%

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 28.5%
+0.1pp YoY
-2.9pp QoQ
 +6.3pp 22.1% 20.1% 22.2% 77%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 5.3%
+2.2pp YoY
+1.3pp QoQ
 -6.3pp 11.6% 14.7% 12.5% 22%
CRE 44.4%
+2.1pp YoY
+1.4pp QoQ
 +4.8pp 39.5% 37.9% 41.4% 61%
1-4 Family 41.4%
-1.7pp YoY
-1.8pp QoQ
 +8.8pp 32.6% 28.3% 31.3% 72%
Consumer 1.3%
-0.3pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 5.4% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 19.3%
+0.5pp YoY
+0.2pp QoQ
 +0.4pp 18.8% 19.9% 19.7% 75%
Leverage Ratio 10.2%
+0.8pp YoY
+0.3pp QoQ
 -2.0pp 12.2% 12.2% 12.6% 35%
Total Capital Ratio 20.5%
+0.5pp YoY
+0.2pp QoQ
 +0.6pp 19.9% 20.9% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 42
-3 (-6.7%) YoY
+3 (+7.7%) QoQ
 -17 58 228 482 44%
Assets per Employee ($) $6.3M
+5.5% YoY
-6.2% QoQ
 -$1.2M $7.5M $8.3M $8.8M 39%
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 n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) -0.2%
-0.2pp YoY
-0.2pp QoQ
 -0.4pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.0%
+5.1pp YoY
+3.7pp QoQ
 +2.8pp 12.2% 10.5% 11.6% 67%
Cost of Funds (YTD) 1.0%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 11%
Net Income ($, YTD) $1.9M
+73.8% YoY
— QoQ
 -$685K $2.6M $11.7M $40.4M 50%

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 (2)

Deposit Outflow

decline
#214 of 535 • Bottom 39.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#237 of 529 • Bottom 44.6% 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: 1.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
407
Tier 1 Capital Ratio
capital
Value: 19.26%
Peer Median: 15.91%
#407 of 2643 Top 15.4% in $100M-$1B
541
Loan-to-Deposit Ratio
liquidity
Value: 62.68%
Peer Median: 77.95%
#541 of 2643 Top 20.4% in $100M-$1B
606
Non-Interest-Bearing Deposit Share
funding
Value: 28.45%
Peer Median: 22.03%
#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026