🏦Bank Scorer

FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION

TOLEDO, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1933FDIC #3,747
Outstanding Up

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.36%

Institution Profile

FDIC BankFind

Address

201 N Meridian St, TOLEDO, IL

County

Cumberland County

Established

January 1, 1933

Total Assets

$740M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 19, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$740M

Total Deposits

$609M

Net Loans

$517M

Net Income

$2M

ROA

1.36%

ROE

12.97%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$539M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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