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
Unfavorable gap of $5.1M · efficiency ratio beats 64% 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% | 1.01% | 1.45% | Beats 87% | 79 / 629 | |
| Return on Equity | 14.31% | 5.38% | 9.30% | 13.28% | Beats 80% | 123 / 629 | |
| Net Interest Margin | 5.18% | 3.03% | 3.54% | 4.05% | Beats 97% | 20 / 629 | |
| Efficiency Ratio | 62.93% | 58.35% | 67.79% | 79.08% | Beats 64% | 226 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 148 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 202 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.24% | 13.84% | 18.77% | Beats 40% | 377 / 629 | |
| Total Risk-Based Capital Ratio | 12.71% | 11.58% | 14.43% | 19.66% | Beats 35% | 407 / 629 | |
| Equity / Assets | 13.78% | 9.09% | 10.65% | 13.80% | Beats 75% | 159 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 71.57% | 67.24% | 80.90% | 93.48% | 33rd pctl | 398 / 594 | |
| Loans / Assets | 60.82% | 53.31% | 67.71% | 78.15% | 35th pctl | 406 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |