First Neighbor Bank, National Association: how it compares with its peers
Against 85 IL banks with half to twice its assets, First Neighbor Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.30% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.13% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 3.64% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.69% | 61.74% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.6M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.40% | 77.68% | Context |
What it means for lending operations
Its efficiency ratio of 65.69% is above the 61.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Midwest Bank Monmouth, IL · $736M
- The Peoples State Bank of Newton, Illinois Newton, IL · $737M
- Longview Bank Ogden, IL · $732M
- The Bradford National Bank of Greenville Greenville, IL · $723M
- Albank National Association Chicago, IL · $722M
- Hickory Point Bank and Trust Decatur, IL · $718M
Questions about First Neighbor Bank, National Association
How big is First Neighbor Bank, National Association?
First Neighbor Bank, National Association, established in 1933, is headquartered in Toledo, IL. It reported $736M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is First Neighbor Bank, National Association's return on assets?
1.22% annualized in Q2 2026, against a 1.13% median for 85 IL banks with half to twice its assets, ahead of 59% of them.
What is First Neighbor Bank, National Association's efficiency ratio?
65.69% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.74%, and lower is better.
Is First Neighbor Bank, National Association growing its loans?
Net loans shrank 2.2% over the year to Q2 2026, while deposits grew 12.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.