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

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	8-Qtr Trend
Earnings
Return on Assets	1.97%	0.60%	1.01%	1.45%	Beats 87%	79 / 629	n/a
Return on Equity	14.31%	5.38%	9.30%	13.28%	Beats 80%	123 / 629	n/a
Net Interest Margin	5.18%	3.03%	3.54%	4.05%	Beats 97%	20 / 629	n/a
Efficiency Ratio	62.93%	58.35%	67.79%	79.08%	Beats 64%	226 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.09%	0.09%	0.46%	1.20%	Beats 75%	148 / 581	n/a
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.06%	Beats 66%	202 / 581	n/a
Capital
Tier 1 Capital Ratio	12.71%	11.24%	13.84%	18.77%	Beats 40%	377 / 629	n/a
Total Risk-Based Capital Ratio	12.71%	11.58%	14.43%	19.66%	Beats 35%	407 / 629	n/a
Equity / Assets	13.78%	9.09%	10.65%	13.80%	Beats 75%	159 / 629	n/a
Liquidity & Funding
Loans / Deposits	71.57%	67.24%	80.90%	93.48%	33rd pctl	398 / 594	n/a
Loans / Assets	60.82%	53.31%	67.71%	78.15%	35th pctl	406 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution