First Neighbor Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Neighbor Bank, N.A. of Toledo, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 10.08% | 12.05% | -1.97% | 36th below |
| Net Interest Margin | 4.20% | 3.90% | +0.30% | 64th above |
| Efficiency Ratio | 67.82% | 63.15% | +4.67% | 33rd below |
| PPNR / Avg Assets | 1.48% | 1.64% | -0.16% | 43rd below |
| Yield on Earning Assets | 6.14% | 5.65% | +0.49% | 75th top |
| Cost of Funds | 2.07% | 1.85% | +0.22% | 34th below |
| Net Interest Spread | 3.66% | 3.35% | +0.31% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.27% | 0.92% | +1.35% | 11th bottom |
| NPA / Total Assets | 1.63% | 0.67% | +0.96% | 11th bottom |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 55.61% | 1645.82% | -1590.21% | 13th bottom |
| Texas Ratio | 14.36% | 7.15% | +7.21% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.00% | 1189.83% | -1039.83% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.62% | 12.46% | -1.84% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.71% | 11.67% | -0.96% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.48% | 11.40% | -0.92% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.51% | 78.64% | +8.87% | 34th below |
| Core Deposit Ratio | 85.40% | 87.09% | -1.69% | 32nd below |
| Wholesale Funding Ratio | 6.62% | 5.11% | +1.51% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.14% | 6.47% | +4.67% | 86th top |
| Loan Growth (Y/Y) | -2.13% | 7.64% | -9.77% | 15th bottom |
| Deposit Growth (Y/Y) | 12.06% | 6.02% | +6.04% | 88th top |
See First Neighbor Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Neighbor Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Neighbor Bank, N.A. profile, how to read a UBPR, or how this data updates.