First Bank of Manhattan
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Manhattan is an FDIC-insured commercial bank headquartered in Manhattan, IL, established in 1907 (FDIC certificate 3702), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $265.9M, down 1.5% from Q2 2025, the 166th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3702
- Headquarters
- Manhattan, IL
- Established
- 1907
- Total assets, Q2 2026
- $265.9M
- Assets vs Q2 2025
- -1.5%
- CET1 ratio, Q2 2026
- 19.26%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071910776
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Manhattan call report
- Holding company
- HOMETOWN COMMUNITY BANCORP, INC.
- Asset rank in state
- 166th of 319 in Illinois
First Bank of Manhattan, based in Manhattan, Illinois, reported $266 million in assets at June 30, 2026, down 1.5% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 3.0% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $1.2 million, 100% above the same quarter a year earlier. Over the same year, loans grew 6.4% and deposits shrank 3.0%.
As of June 30, 2026, First Bank of Manhattan reported a CET1 capital ratio of 19.26%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First Bank of Manhattan ranks as the 166th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $265.9M, loans rose 5.3% and deposits rose 0.7%. 1-4 family residential loans made up 40.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.6%. The FDIC Summary of Deposits lists 3 offices for it, in Manhattan, IL and New Lenox, IL; its Manhattan 2 offices book 94% of its branch deposits. On its Q2 2026 call report, First Bank of Manhattan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 230 S State St, Manhattan, IL 60442
- County
- Will
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $239.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$171K
- Average total assets
- $259.4M
- Average total loans
- $147.2M
- Average interest-bearing deposits
- $162.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3702
- Fed RSSD
- 238139
- Website
- www.fnbmanhattan.com →
- Parent Holding Company
- HOMETOWN COMMUNITY BANCORP, INC. (RSSD 2592714)
- Ultimate Parent
- RSSD 2762795
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Bank of Manhattan's total assets moved between a low of $241.0M (Q1 2024) and a high of $276.9M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$265.9M total assets against $270.1M; $240.2M total liabilities against $247.5M.
$150.0M net loans and leases against $141.1M; $239.3M total deposits against $246.8M.
$78.9M securities against $90.4M; $32.8M cash and balances due against $34.5M.
$3.1M total interest income against $2.7M; $623K total interest expense against $762K.
$2.5M net interest income against $1.9M.
$230K total noninterest income against $172K; $1.5M total noninterest expense against $1.5M.
$1K provision for credit losses against -$1K.
$1.2M net income against $589K.
1.81% return on assets against 0.91%; 3.85% net interest margin against 3.05%.
19.26% CET1 capital ratio against 18.76%; 10.16% tier 1 leverage ratio against 9.34%.
Inside the full First Bank of Manhattan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank of Manhattan rankings
Its closest position to the top of a national ranking is 380 of 2,134, for CET1 ratio; its furthest is 3,497 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.81% (Q2 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.26% | 1.81% | 0.00% | 0.00% | 3.85% |
| Q1 2026 | 19.07% | 1.07% | 0.00% | 0.00% | 3.22% |
| Q4 2025 | 19.10% | 1.15% | 0.02% | 0.12% | 3.13% |
| Q3 2025 | 18.50% | 1.01% | 0.02% | 0.12% | 3.01% |
| Q2 2025 | 18.76% | 0.91% | 0.04% | 0.25% | 3.05% |
| Q1 2025 | 18.47% | 0.75% | 0.02% | 0.13% | 2.87% |
| Q4 2024 | 18.21% | 0.70% | 0.02% | 0.13% | 2.69% |
| Q3 2024 | 17.54% | 0.63% | 0.22% | 1.43% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank of Manhattan (main office) | Manhattan , IL | 60442 | $114.8M |
| 550 West North Street Office | Manhattan , IL | 60442 | $110.9M |
| 836 W. Laraway Branch | New Lenox , IL | 60451 | $13.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 187 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 41 loans originated, $6.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank of Manhattan
What are First Bank of Manhattan's total assets?
As of the Q2 2026 filing, First Bank of Manhattan reported total assets of $265.9 million in its FFIEC call report.
Where is First Bank of Manhattan headquartered?
It is headquartered in Manhattan, IL, United States.
When was First Bank of Manhattan founded?
It was established in 1907, per the FDIC institution directory.
Is First Bank of Manhattan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Manhattan?
First Bank of Manhattan's primary federal regulator is the Federal Reserve.
What is First Bank of Manhattan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of Manhattan operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Manhattan's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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