BlastPoint's Banking Scorecard
First Neighbor Bank, National Association
Toledo, IL
10 branches across IL
First Neighbor Bank, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 43.1% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 2.09% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.73% above tier average
- - Nonperforming Asset Ratio 1.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$739.8M
+11.4% YoY
+3.1% QoQ
|
+$353.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 10.7% in tier |
| Total Loans ? |
$517.0M
-1.2% YoY
-4.1% QoQ
|
+$261.2M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 9.5% in tier |
| Total Deposits ? |
$609.0M
+12.1% YoY
+3.2% QoQ
|
+$281.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 11.7% in tier |
| Return on Assets ? |
1.36%
+20.2% YoY
+14.9% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
4.35%
-2.0% YoY
-0.7% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
63.20%
-0.3% YoY
-1.5% QoQ
|
-2.09% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
2.62%
+9.9% YoY
-23.5% QoQ
|
+1.73% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.6% in tier |
| Loan-to-Deposit Ratio ? |
84.89%
-11.8% YoY
-7.1% QoQ
|
+8.25% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.98%
-6.4% YoY
+5.9% QoQ
|
-3.04% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.83%
-2.5% YoY
-28.8% QoQ
|
+1.19% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.1% in tier |
| Tier 1 Capital Ratio ? |
10.46%
-1.1% YoY
+0.7% QoQ
|
-5.37% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.25%
+1.2% YoY
-65.0% QoQ
|
-0.03% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 9.0% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.