TellerScore

Headquartered in Toledo, Illinois, First Neighbor Bank, National Association is a national bank with $736.0M in total assets and $604.2M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1933.

First Neighbor Bank, National Association has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 275th. Problem-loan coverage contributes the most (75/100, 12.4%); loan quality contributes the least (33/100, 2.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.62%
Loan quality33/100
Noncurrent loans ÷ total loans: 2.00%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 86.4% · 30.6% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (42 → 55), mostly because the loan quality component improved by 33 points.

TellerScore
424956Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202456
Q4 202448
Q1 202549
Q2 202542
Q3 202543
Q4 202543
Q1 202651
Q2 202655
Tier 1 leverage ratio
5.00%7.86%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.52%
Q3 202410.59%
Q4 202410.67%
Q1 202510.58%
Q2 202510.73%
Q3 202510.71%
Q4 202510.38%
Q1 202610.46%
Q2 202610.62%
Noncurrent loans
1.44%2.47%3.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.63%
Q3 20241.44%
Q4 20242.38%
Q1 20252.35%
Q2 20253.10%
Q3 20253.50%
Q4 20253.38%
Q1 20262.58%
Q2 20262.00%
Return on assets
1.01%1.19%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.01%
Q4 20241.13%
Q1 20251.14%
Q2 20251.12%
Q3 20251.11%
Q4 20251.19%
Q1 20261.36%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$736.0M10.62%2.00%1.22%86.4%
Q1 202651$739.8M10.46%2.58%1.36%84.9%
Q4 202543$717.9M10.38%3.38%1.19%91.4%
Q3 202543$708.9M10.71%3.50%1.11%91.8%
Q2 202542$662.3M10.73%3.10%1.12%99.0%
Q1 202549$664.3M10.58%2.35%1.14%96.3%
Q4 202448$643.8M10.67%2.38%1.13%98.4%
Q3 202456$634.6M10.59%1.44%1.01%97.2%
Q2 202454$624.9M10.52%1.63%1.02%95.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.62%
44th
Total risk-based capital0.00%
24th
Problem loans2.00%
13th
Net charge-offs0.08%
23rd
Return on assets1.22%
48th
Net interest margin4.30%
71st
Efficiency ratio65.7%
40th
Loans to deposits86.4%
34th
Uninsured deposits30.6%
26th
Loan-loss reserves1.26%
58th
Texas ratio12.4%
14th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Midwest BankBank Monmouth, IL66 out of 100, Moderate$736.4M8.8%0.32%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Longview BankBank Ogden, IL62 out of 100, Moderate$732.1M8.4%0.80%vs
The Bradford National Bank of GreenvilleBank Greenville, IL58 out of 100, Moderate$722.8M8.9%1.92%vs
Albank National AssociationBank Chicago, IL70 out of 100, Strong$721.8M17.0%1.13%vs
Hickory Point Bank and TrustBank Decatur, IL77 out of 100, Strong$717.5M11.0%0.18%vs

Deposit insurance

Is my money safe at First Neighbor Bank, National Association?

Yes. First Neighbor Bank, National Association is an FDIC-insured institution (FDIC certificate #3747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($185.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First Neighbor Bank, National Association lists 10 offices in 9 cities. Most locations:

  • Toledo, IL (2)
  • Arthur, IL (1)
  • Casey, IL (1)
  • Charleston, IL (1)
  • Greenup, IL (1)
  • Mattoon, IL (1)
  • Neoga, IL (1)
  • Newman, IL (1)
  • Paris, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Neighbor Bank, National Association
Former names
The First National Bank in Toledo
Type
National bank
FDIC certificate #
3747
RSSD ID
413646
Primary regulator
OCC
Holding company
First Neighborhood Bancshares Employee Stk Ownership Plan
Established
January 1, 1933
Headquarters
201 N Meridian St, Toledo, IL 62468
Employees
133

Quick answers

First Neighbor Bank, National Association: common questions

Is First Neighbor Bank, National Association FDIC insured?

Yes. First Neighbor Bank, National Association is an FDIC-insured institution (FDIC certificate #3747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Neighbor Bank, National Association's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Neighbor Bank, National Association ever failed?

There is no failure record for FDIC certificate #3747 in the FDIC failed bank list.

How many branches does First Neighbor Bank, National Association have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Toledo

InstitutionScoreAssetsCapitalProblem loansCompare
Teutopolis State BankBank Teutopolis, IL97 out of 100, Very strong$358.5M14.7%0.00%vs
Effingham Highway Credit UnionCredit union Effingham, IL94 out of 100, Very strong$5.9M19.8%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
Blaw-Knox Credit UnionCredit union Mattoon, IL92 out of 100, Very strong$13.4M19.9%0.23%vs
Area Educational Credit UnionCredit union Mattoon, IL87 out of 100, Very strong$33.7M20.4%0.92%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs