First Bank of Manhattan: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.76 percentage points in Q2 2026, from 60.65% to 63.42%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Bank of Manhattan is 47th of 323 on return on assets, 1.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Bank of Manhattan sits 0.56 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.26% |
| Tier 1 risk-based capital ratio | 19.26% |
| Total risk-based capital ratio | 20.51% |
| Tier 1 leverage ratio | 10.16% |
| Equity capital to assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.46% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 18.60% |
| Net interest margin | 3.85% |
| Efficiency ratio | 55.80% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.42% |
| Core deposits to total deposits | 95.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.98% |
| Securities to assets | 29.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.50% | 17.50% | 18.65% | 8.87% | 0.42% |
| Q4 2023 | 17.12% | 17.12% | 18.27% | 8.83% | 0.39% |
| Q1 2024 | 16.82% | 16.82% | 17.95% | 9.28% | 0.24% |
| Q2 2024 | 17.49% | 17.49% | 18.64% | 9.35% | 0.64% |
| Q3 2024 | 17.54% | 17.54% | 18.70% | 9.05% | 0.63% |
| Q4 2024 | 18.21% | 18.21% | 19.39% | 8.80% | 0.70% |
| Q1 2025 | 18.47% | 18.47% | 19.67% | 9.24% | 0.75% |
| Q2 2025 | 18.76% | 18.76% | 19.97% | 9.34% | 0.91% |
| Q3 2025 | 18.50% | 18.50% | 19.70% | 9.11% | 1.01% |
| Q4 2025 | 19.10% | 19.10% | 20.30% | 9.13% | 1.15% |
| Q1 2026 | 19.07% | 19.07% | 20.26% | 9.81% | 1.07% |
| Q2 2026 | 19.26% | 19.26% | 20.51% | 10.16% | 1.81% |
First Bank of Manhattan vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Manhattan, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank of Manhattan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3702) · FFIEC NIC profile (RSSD 238139)