First Federal Savings Bank of Champaign-Urbana
Champaign, IL · Cert 28445 · Peer group: banks under $1B in assets (n=570-617) · 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 17 of 617).
- Widest gap: total risk-based capital ratio trails 64% of banks under $1B in assets (rank 396 of 617).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.97%
Rank 73 of 617
Net Interest Margin
5.18%
Rank 17 of 617
Efficiency Ratio
62.93%
Rank 224 of 617
Equity / Assets
13.78%
Rank 150 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.60% | 1.01% | 1.45% | Beats 88% | 73 / 617 | | |
| Return on Equity | 14.31% | 5.30% | 9.43% | 13.30% | Beats 81% | 119 / 617 | | |
| Net Interest Margin | 5.18% | 3.04% | 3.54% | 4.05% | Beats 97% | 17 / 617 | | |
| Efficiency Ratio | 62.93% | 58.03% | 67.76% | 79.08% | Beats 64% | 224 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.48% | 1.27% | Beats 75% | 144 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 201 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.18% | 13.83% | 18.55% | Beats 40% | 369 / 617 | | |
| Total Risk-Based Capital Ratio | 12.71% | 11.56% | 14.39% | 19.39% | Beats 36% | 396 / 617 | | |
| Equity / Assets | 13.78% | 9.03% | 10.55% | 13.63% | Beats 76% | 150 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.57% | 64.77% | 79.70% | 93.06% | 35th pctl | 377 / 582 | | |
| Loans / Assets | 60.82% | 51.70% | 67.18% | 77.51% | 37th pctl | 387 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |