First Neighbor Bank NA (FDIC #3747): Bank Stress & Real-Estate Credit Exposure

First Neighbor Bank NA (FDIC Cert #3747): bank stress 64/100, elevated, STABLE over 7 days; parent FIRST NEIGHBORHOOD BANCSHARES EMPLOYEE STK OWNERSHIP PLAN.

First Neighbor Bank NA (#3747) lends in 5 counties across 1 state; First Neighbor Bank NA (#3747) reaches 48 ZIP codes: Illinois 5 counties, 48 ZIPs.

First Neighbor Bank NA (#3747) largest markets: Coles County, IL (32 branches, 16 ZIPs) (#3747), Edgar County, IL (15 branches, 15 ZIPs) (#3747), Douglas County, IL (26 branches, 13 ZIPs) (#3747), Cumberland County, IL (48 branches, 12 ZIPs) (#3747), Clark County, IL (11 branches, 11 ZIPs) (#3747).

First Neighbor Bank NA (#3747) reports $736.0 million in total assets; First Neighbor Bank NA (#3747) equity $78.9 million (10.7% of First Neighbor Bank NA (#3747) assets); First Neighbor Bank NA (#3747) domestic deposits $604.2 million; First Neighbor Bank NA (#3747) net income $4.5 million; First Neighbor Bank NA (#3747) return on assets 1.22%; First Neighbor Bank NA (#3747) return on equity 11.52%; First Neighbor Bank NA (#3747) net interest income $14.6 million; First Neighbor Bank NA (#3747) call report June 30, 2026.

First Neighbor Bank NA (#3747) noncurrent real-estate loans: none reported; First Neighbor Bank NA (#3747) net charge-offs on real estate 2.19%; First Neighbor Bank NA (#3747) residential charge-offs 1.98%.

First Neighbor Bank NA (#3747) net interest margin 4.30% against an eight-quarter First Neighbor Bank NA (#3747) average of 4.39% (First Neighbor Bank NA (#3747) compression 0.09 points); First Neighbor Bank NA (#3747) non-residential real estate 197.7% of equity; First Neighbor Bank NA (#3747) rate-exposure score 40/100, First Neighbor Bank NA (#3747) fixed-rate trap 40/100; First Neighbor Bank NA (#3747) risk type credit driven; First Neighbor Bank NA (#3747) rate regime rates elevated, First Neighbor Bank NA (#3747) snapshot October 19, 2026.

First Neighbor Bank NA (#3747) stress score moved from 60 on June 22, 2026 to 63.6 on October 19, 2026; First Neighbor Bank NA (#3747) ranged 60 to 63.6 over 116 snapshots.

First Neighbor Bank NA (#3747) alerts: 5 counties; top First Neighbor Bank NA (#3747) alert scores: Casey County, IL 23 (low); Mattoon County, IL 23 (low); Newman County, IL 23 (low); Paris County, IL 23 (low); Toledo County, IL 23 (low).