First Federal Savings Bank of Champaign-Urbana
Champaign, IL · Cert 28445 · Peer group: banks under $1B in assets (n=573-620) · 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 18 of 620).
- Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets (rank 402 of 620).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.97%
Rank 75 of 620
Net Interest Margin
5.18%
Rank 18 of 620
Efficiency Ratio
62.93%
Rank 218 of 620
Equity / Assets
13.78%
Rank 153 of 620
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 65% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.60% | 1.00% | 1.45% | Beats 88% | 75 / 620 | |
| Return on Equity | 14.31% | 5.30% | 9.30% | 13.29% | Beats 81% | 120 / 620 | |
| Net Interest Margin | 5.18% | 3.02% | 3.53% | 4.04% | Beats 97% | 18 / 620 | |
| Efficiency Ratio | 62.93% | 58.35% | 68.08% | 79.37% | Beats 65% | 218 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.47% | 1.27% | Beats 75% | 145 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 201 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.27% | 13.87% | 18.78% | Beats 40% | 373 / 620 | |
| Total Risk-Based Capital Ratio | 12.71% | 11.69% | 14.57% | 19.67% | Beats 35% | 402 / 620 | |
| Equity / Assets | 13.78% | 9.03% | 10.60% | 13.73% | Beats 75% | 153 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 71.57% | 65.08% | 79.69% | 92.47% | 35th pctl | 380 / 585 | |
| Loans / Assets | 60.82% | 51.85% | 67.17% | 77.86% | 37th pctl | 390 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |