BlastPoint's Banking Scorecard
First Neighbor Bank, National Association
Toledo, IL
10 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 +12.1% year over year ($604.2M on the books).
- Delinquency rate 2.03%.
- Return on assets 1.22%.
- Efficiency ratio 65.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Neighbor Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency Ratio 1.21% above tier average
- - Delinquency Rate 1.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$736.0M
+11.1% YoY
-0.5% QoQ
|
+$349.4M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 10.8% in tier |
| Total Loans ? |
$522.0M
-2.2% YoY
+1.0% QoQ
|
+$263.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Top 9.7% in tier |
| Total Deposits ? |
$604.2M
+12.1% YoY
-0.8% QoQ
|
+$277.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 11.8% in tier |
| Return on Assets ? |
1.22%
+8.7% YoY
-10.6% QoQ
|
-0.10% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
4.30%
-3.7% YoY
-1.1% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
65.69%
+4.8% YoY
+3.9% QoQ
|
+1.21% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
2.03%
-35.6% YoY
-22.6% QoQ
|
+1.11% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.7% in tier |
| Loan-to-Deposit Ratio ? |
86.40%
-12.7% YoY
+1.8% QoQ
|
+8.45% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
18.28%
-3.9% YoY
-3.7% QoQ
|
-3.75% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.44%
-43.3% YoY
-21.4% QoQ
|
+0.77% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.8% in tier |
| Tier 1 Capital Ratio ? |
10.62%
-1.0% YoY
+1.6% QoQ
|
-5.29% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.45%
+3.3% YoY
+77.3% QoQ
|
-0.12% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.3%
-0.8pp YoY -0.7pp QoQ |
-3.9pp | 22.1% | 20.1% | 22.2% | 37% |
| Brokered Deposits |
6.7%
+4.6pp YoY -0.2pp QoQ |
-1.1pp | 7.9% | 8.0% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
-1.8pp YoY -1.2pp QoQ |
+8.2pp | 11.6% | 14.7% | 12.5% | 88% |
| CRE |
27.3%
+1.0pp YoY +0.5pp QoQ |
-12.2pp | 39.5% | 37.9% | 41.4% | 30% |
| 1-4 Family |
20.0%
+2.8pp YoY +0.9pp QoQ |
-12.7pp | 32.6% | 28.3% | 31.3% | 30% |
| Consumer |
5.7%
-0.5pp YoY -0.1pp QoQ |
+1.6pp | 4.1% | 5.4% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.1pp YoY +0.2pp QoQ |
-1.6pp | 12.2% | 12.2% | 12.6% | 44% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
133
-3 (-2.2%) YoY -2 (-1.5%) QoQ |
+74 | 58 | 228 | 482 | 96% |
| Assets per Employee ($) |
$5.5M
+13.6% YoY +1.0% QoQ |
-$2.0M | $7.5M | $8.3M | $8.8M | 23% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 10 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.0%
-1.1pp YoY -0.6pp QoQ |
+1.1pp | 0.9% | 1.1% | 1.0% | 88% |
| Allowance Coverage |
0.63x
+58.7% YoY +26.2% QoQ |
-23.52x | 24.15x | 5.62x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+0.8pp YoY -1.5pp QoQ |
-0.7pp | 12.2% | 10.5% | 11.6% | 46% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 69% |
| Net Income ($, YTD) |
$4.5M
+21.0% YoY — QoQ |
+$1.9M | $2.6M | $11.7M | $40.4M | 84% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.