First Neighbor Bank, N.A.: 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.
Reserve coverage of non-performing loans climbed 10.67 percentage points in Q2 2026, from 44.94% to 55.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Neighbor Bank, N.A. is 191st of 323 on return on assets, 1.07% as of Q2 2026, below the middle of the field. First Neighbor Bank, N.A. reported 1.07% on return on assets for Q2 2026, 0.18 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 10.71% |
| Tangible equity to tangible assets | 10.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.27% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 14.36% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 55.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 10.08% |
| Net interest margin | 4.20% |
| Efficiency ratio | 67.82% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Core deposits to total deposits | 85.40% |
| Brokered deposits to total deposits | 6.74% |
| Deposits to assets | 82.09% |
| Securities to assets | 11.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.72% | 2.19% | 4.06% | 1.99% | -0.46% |
| Q4 2023 | 10.53% | 1.14% | 4.81% | 1.78% | 0.22% |
| Q1 2024 | 10.64% | 1.14% | 4.21% | 1.84% | 0.31% |
| Q2 2024 | 10.52% | 0.91% | 4.36% | 1.66% | 0.90% |
| Q3 2024 | 10.59% | 1.00% | 4.29% | 1.47% | 0.30% |
| Q4 2024 | 10.67% | 1.46% | 4.45% | 2.40% | 0.35% |
| Q1 2025 | 10.58% | 1.13% | 4.33% | 2.37% | 0.34% |
| Q2 2025 | 10.73% | 1.10% | 4.43% | 3.12% | 0.35% |
| Q3 2025 | 10.71% | 1.12% | 4.23% | 3.62% | 0.17% |
| Q4 2025 | 10.38% | 1.37% | 4.26% | 3.68% | 0.42% |
| Q1 2026 | 10.46% | 1.36% | 4.29% | 2.88% | 0.00% |
| Q2 2026 | 10.62% | 1.07% | 4.20% | 2.27% | 0.15% |
First Neighbor Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Neighbor Bank, N.A., 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 Neighbor Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3747) · FFIEC NIC profile (RSSD 413646)