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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

$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