# FIRST BANK OF MANHATTAN
MANHATTAN, IL · FDIC certificate 3702 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $265.9M | |
| Deposits | $239.3M | |
| Loans and leases | $151.8M | |
| Total equity | $25.8M | |
| Loans / deposits | 62.68% (p34 of band) | 73.59% |
| Liquid assets / assets | 41.99% (p67 of band) | |
| Uninsured deposits / deposits | 23.67% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.16% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -3.16% (p65 of band) | -6.57% |
| AOCI / equity | 0.06% (p88 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.17% |
| Net interest margin | 3.53% (p30 of band) | 3.93% |
| Efficiency ratio | 61.98% (p40 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 63.37% (p85 of band) | |
| Auto loans | $1.2M (0.81% of loans; DQ 1.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | noncurrent p90, construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 | capital falling | uninsured deposits leaving |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 | construction >100% equity | capital falling |
| 2024-06 | 0 |  | securities losses >30% of equity, construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [Amerant names new CEO, Illinois community banks agree to merge - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPVTR3Y0MwdWlXejI3VkNYWG5sVlBaS3JkZ2dhLURLY1k3bC00a2JjVFRLdHFVcmVMellnZE9aWURfTmY5U3hMdE1rZTlWTE9YcXgwVWg3dkUwMTRMcTlDdjJ2N2t4S3dZX2hPWGE3UWsxN3lIa2hON1JlOHJwTTVmeTFseW9RemhkM0ZsNVozRnIxbDZlelZaWFNFc0p1dw?oc=5) · American Banker
- 2022-04-22 [First Bank Of Manhattan Adds 2 Board Members - Patch](https://news.google.com/rss/articles/CBMihAFBVV95cUxQemZRY19Hd2dsZUZUVV9DZ2JtMmxUNGdJLU5zczV5LXRUSUtuM3FlZ25oOGxsVEtDbE1tY0UyUFZVcFRUQU44X3Raa01sSjNRejM4YTlFUk1Gdms1ckFCbHdtM0hobWhqdXQ0OWd3QVVoM2F4Nkg5cDZqQmNoZENuNHd4U1Q?oc=5) · Patch
- 2017-04-11 [Gregory T. Hobbs Obituary April 11, 2017 - Kurtz Memorial Chapel](https://news.google.com/rss/articles/CBMib0FVX3lxTE9rUi1lUk1OTjBYd2lkb3BfM09DUVR1ZXhzSGlwQWhWWkZYRVkwcjJ5cldLQ1BxaEcwSnBsUDJVcUdSa0tUTTBfamJzV25rcmdqRmphSjc2LXktbXpoNUR4M0lrZHdHWXhGeE4wNXFvRQ?oc=5) · Kurtz Memorial Chapel
- 2024-05-08 [Donna P. Galuszka Obituary (2024) - Manhattan, IL - Forsythe Gould Funeral Home, Inc. - Manhattan, IL - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPd2xmN2xPUnljb0wxQXNwV3ZMeF93ZnFtOVM2YXZVS0VJOW5vNXdfYVNabjBTVndVbERYUnNGdC1jdmZ4YzloaXdSbXNwR3FXRXR4ZE5RNnpDY0RCVTNseUVxeWtJRWdRR2FJYWJNcVlXVDZCMnZUa3dJbXdPaG9fN0YyVQ?oc=5) · legacy.com
- 2021-11-22 [James Maros Obituary (2009) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxQR0tKYlNUWWJYWnBfY3BobVE3a0NaMGZUZlNPNGMyaTZocUZxdUF1eDUtZFZLaXhFTFBJbGxaT2taMHN5dk9UdVlGZ1RZZHBkcFZiSld6S3JHOVN4a1U4UHdSdHJELWxNRnVKS1BnaE9aWGFnWFhrSG9UbXBFblc0aW5ZbzFyQmV2eEJZVXoteXdSeUs5a3hKZmI0dw?oc=5) · Chicago Sun-Times
- 2024-02-28 [Know Before You Go: 30th Manhattan Irish Fest Set To Paint Town Green - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxOOG1vM1R0WWo1cGFvOHVLTDVpYzRXM0ZrMFVOUmI2b3ZDc3Nxc25ZcHVtejJlUkFIajFzeEs3bXNMQU04TFJxWmNXN0FPWndadWJpbk1QVlJXVGpCSXYyaUpIaXFsTTRjZ1ZaSk1IcGFsRG5kS3h1VEFqUUszcE1xRngxNXdOTm5KeWxnVUp4MGM0Y2tOME5SbTh0aw?oc=5) · Patch
- 2021-11-13 [Franklin Forsythe Obituary (2021) - Manhattan, IL - Herald-News - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNa0hNRU9tX09BYUdFNzgyYmlDbWE2R21tcHA1Tjk1MURGM1dKdUpROTFhVkxYRGdJWTdqdTNSdG5nT2VQOG9ZcDBLX3V0b0tWaW5pa05tU1d2UDgxeUNKZnFPSzc0SWVDWS0tUU5hT1RSSHhkdzNYdEVOd0NsZC0tTWo5UUY4dEp0VlZKbTFqQ2hOSi1ELXpNWHVIZw?oc=5) · legacy.com
- 2012-05-07 [In Down Economy, Man Expands Business With Help of Out-of-Work Tradesmen | New Lenox - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa1J4ZHoyTlViVF9zVnU5SW5MNlZZc3NvT29OWnpfV0pTOEVNaS00NzhuSXZnN1F6WmNHenFydG9iNlRyLUctOW1ScjVsM3BpalROUUNjbnkwY1d1X0xERXRRQ19fMTVOM1RWN0ZjWEpOcHM3UGdhcTYzNG5HMVpPcm11M1NPMTd4QWNfX19SSHJ5TjZOTHlVejVMamM5NEQx?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3702 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "3702", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide