First Nb of Brookfield
Brookfield, Illinois · FDIC Cert #18564
First Nb of Brookfield is an FDIC-insured bank (Certificate #18564) with $356M in total assets and $265M in total deposits as of the Q2 2024 Call Report. Headquartered in Brookfield, Illinois, the bank maintains a Tier 1 capital ratio of 13.58% (Well-Capitalized) and a nonperforming loan ratio of 1.51%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Brookfield (FDIC cert 18564) is a community bank — $356M in total assets, $265M in deposits, serving the Brookfield, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.58% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.51% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.23% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb of Brookfield carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Brookfield
- Total Assets
- $356M
- Total Deposits
- $265M
- Tier 1 Capital Ratio
- 13.58%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.51%
- Liquidity Ratio
- 11.93%
- Return on Assets
- 2.23%
- Headquarters
- Brookfield, Illinois
- FDIC Certificate
- #18564
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Brookfield holds a Tier 1 capital ratio of 13.58%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Brookfield has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Brookfield shows strong financial health indicators. With $356M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Brookfield Compares
First Nb of Brookfield’s Health Score of 69 is 3 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 13.58% Tier 1 capital ratio is 0.4 points below the US banking industry average near 14%. The 1.51% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.23% is in line with or above the national ROA benchmark of ~1.1%. Among 1568 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Nb of Brookfield is 1 points below the portfolio average of 70.
Frequently Asked Questions
First Nb of Brookfield has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.58%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Brookfield's Tier 1 capital ratio of 13.58% and nonperforming loan ratio of 1.51% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Brookfield is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18564). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Brookfield holds $356M in total assets and $265M in total deposits. It is headquartered in Brookfield, Illinois (FDIC Certificate #18564).
First Nb of Brookfield has a Tier 1 capital ratio of 13.58%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.51%, and the return on assets is 2.23%.
Yes. First Nb of Brookfield is FDIC-insured (Certificate #18564). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Brookfield's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.