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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 56 |
| Q4 2024 | 48 |
| Q1 2025 | 49 |
| Q2 2025 | 42 |
| Q3 2025 | 43 |
| Q4 2025 | 43 |
| Q1 2026 | 51 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.52% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.67% |
| Q1 2025 | 10.58% |
| Q2 2025 | 10.73% |
| Q3 2025 | 10.71% |
| Q4 2025 | 10.38% |
| Q1 2026 | 10.46% |
| Q2 2026 | 10.62% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.44% |
| Q4 2024 | 2.38% |
| Q1 2025 | 2.35% |
| Q2 2025 | 3.10% |
| Q3 2025 | 3.50% |
| Q4 2025 | 3.38% |
| Q1 2026 | 2.58% |
| Q2 2026 | 2.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $736.0M | 10.62% | 2.00% | 1.22% | 86.4% |
| Q1 2026 | 51 | $739.8M | 10.46% | 2.58% | 1.36% | 84.9% |
| Q4 2025 | 43 | $717.9M | 10.38% | 3.38% | 1.19% | 91.4% |
| Q3 2025 | 43 | $708.9M | 10.71% | 3.50% | 1.11% | 91.8% |
| Q2 2025 | 42 | $662.3M | 10.73% | 3.10% | 1.12% | 99.0% |
| Q1 2025 | 49 | $664.3M | 10.58% | 2.35% | 1.14% | 96.3% |
| Q4 2024 | 48 | $643.8M | 10.67% | 2.38% | 1.13% | 98.4% |
| Q3 2024 | 56 | $634.6M | 10.59% | 1.44% | 1.01% | 97.2% |
| Q2 2024 | 54 | $624.9M | 10.52% | 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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest BankBank Monmouth, IL | 66 out of 100, Moderate | $736.4M | 8.8% | 0.32% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Longview BankBank Ogden, IL | 62 out of 100, Moderate | $732.1M | 8.4% | 0.80% | vs |
| The Bradford National Bank of GreenvilleBank Greenville, IL | 58 out of 100, Moderate | $722.8M | 8.9% | 1.92% | vs |
| Albank National AssociationBank Chicago, IL | 70 out of 100, Strong | $721.8M | 17.0% | 1.13% | vs |
| Hickory Point Bank and TrustBank Decatur, IL | 77 out of 100, Strong | $717.5M | 11.0% | 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%).
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)
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
- Website
- www.firstneighbor.com
- 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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| Blaw-Knox Credit UnionCredit union Mattoon, IL | 92 out of 100, Very strong | $13.4M | 19.9% | 0.23% | vs |
| Area Educational Credit UnionCredit union Mattoon, IL | 87 out of 100, Very strong | $33.7M | 20.4% | 0.92% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |