BlastPoint's Banking Scorecard
First Neighbor Bank, National Association
Community
Specialty: Agricultural
IL
FDIC cert 3747
Toledo, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Neighbor Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17% in Community
- - Delinquency Rate 2.79% above tier
- - Nonperforming Asset Ratio 2.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$717.9M
+11.5% YoY
+1.3% QoQ
|
-$673.6M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$539.0M
+4.5% YoY
+0.7% QoQ
|
-$436.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$589.8M
+12.5% YoY
+1.2% QoQ
|
-$574.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.19%
+5.1% YoY
+6.7% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.38%
-0.7% YoY
+0.1% QoQ
|
+0.72% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
64.15%
+6.8% YoY
-0.4% QoQ
|
+1.52% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
3.42%
+42.1% YoY
-3.3% QoQ
|
+2.79% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
91.38%
-7.1% YoY
-0.4% QoQ
|
+8.32% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
17.92%
-9.0% YoY
+3.9% QoQ
|
-3.13% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
2.57%
+33.1% YoY
-4.3% QoQ
|
+2.07% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.72%
-14.7% YoY
+30.1% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#88 of 513 · Bottom 17% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.38%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.42%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.57%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
44
44th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 62.63%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 21.05%
36
36th pctile
Total Loans
Current: $539.0M · Tier avg: $975.5M
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Assets
Current: $717.9M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $589.8M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 3.42% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.42% · Tier avg: 0.63%
26
26th pctile
Total Deposits
Current: $589.8M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $717.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 83.06%
36
36th pctile
Total Loans
Current: $539.0M · Tier avg: $975.5M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 21.05%
44
44th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%