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First Federal Savings Bank of Champaign-Urbana

Champaign, IL · Cert 28445 · Great American Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings Bank of Champaign-Urbana

Champaign, IL · Cert 28445 · Great American Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

$192.5MAssets
$117.1MLoans
$163.6MDeposits
$26.5MEquity
Loan mix
96%RE $107.8M2%C&I $2.7M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $111.8M32%Noninterest $51.8MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.35%Q2 ’255.18%Q2 ’26+3%-3%

Non-interest income vs. expense

4.13%Q2 ’244.48%Q2 ’254.45%Q2 ’26+11%-7%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.9% share · #13 of 33 inst. · $0.2B of $8.7B

Executive Summary

  • Earnings: ROA of 1.92%, unchanged from a year ago; NIM at 5.18%.
  • Asset quality: problem loans at 0.09% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.71%, up 38 bps from a year ago.
  • Funding: loans stand at 71.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.92%0 bps YoY

Net Interest Margin (YTD, annualized)

5.18%-17 bps YoY

Efficiency Ratio (YTD, annualized)

62.93%-27 bps YoY

Tier 1 Leverage Ratio

12.71%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.83%1.79%1.99%1.92%0 bps
Return on Equity15.81%14.86%14.36%15.56%14.64%-117 bps
Net Interest Margin5.35%5.47%5.42%5.21%5.18%-17 bps
Efficiency Ratio63.20%65.14%65.40%62.17%62.93%-27 bps
Non-Interest Burden2.72%2.94%2.95%2.48%2.54%-19 bps
Growth
Asset Growth (YoY)-1.83%-0.96%3.95%1.33%1.42%+325 bps
Loan Growth (YoY)7.58%4.78%2.86%2.11%6.10%-148 bps
Deposit Growth (YoY)-3.90%-2.01%3.31%0.93%0.90%+479 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.11%0.13%0.10%0.09%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.91%0.92%0.91%0.91%-1 bps
Allowance Coverage of NPLs11.5x8.7x7.2x9.3x10.0x-1.5x
Capital
Tier 1 Leverage Ratio12.32%12.50%12.83%12.35%12.71%+38 bps
Total Risk-Based Capital12.32%12.50%12.83%12.35%12.71%+38 bps
Equity / Assets12.86%12.97%12.93%12.69%13.78%+93 bps
Liquidity & Funding
Loans / Deposits68.06%70.35%64.99%64.46%71.57%+351 bps
Liquid Assets / Assets36.26%34.37%39.10%39.54%34.05%-221 bps
CRE / Total Capitaln/a125.34%126.66%128.06%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings Bank of Champaign-Urbana

Champaign, IL · Cert 28445 · Peer group: banks under $1B in assets (n=581-629) · Great American Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

$192.5MAssets
$117.1MLoans
$163.6MDeposits
$26.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 20 of 629).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets (rank 407 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.97%

Rank 79 of 629

Net Interest Margin

5.18%

Rank 20 of 629

Efficiency Ratio

62.93%

Rank 226 of 629

Equity / Assets

13.78%

Rank 159 of 629

Non-interest income vs. expense

$3.9M$9.0MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 64% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.97%0.60%1.01%1.45%Beats 87%79 / 629
Return on Equity14.31%5.38%9.30%13.28%Beats 80%123 / 629
Net Interest Margin5.18%3.03%3.54%4.05%Beats 97%20 / 629
Efficiency Ratio62.93%58.35%67.79%79.08%Beats 64%226 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 75%148 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 66%202 / 581
Capital
Tier 1 Capital Ratio12.71%11.24%13.84%18.77%Beats 40%377 / 629
Total Risk-Based Capital Ratio12.71%11.58%14.43%19.66%Beats 35%407 / 629
Equity / Assets13.78%9.09%10.65%13.80%Beats 75%159 / 629
Liquidity & Funding
Loans / Deposits71.57%67.24%80.90%93.48%33rd pctl398 / 594
Loans / Assets60.82%53.31%67.71%78.15%35th pctl406 / 629
Brokered Deposits / Depositsn/aNot reported for this institution