First Federal Savings Bank
Ottawa, IL · Cert 28924 · Peer group: banks under $1B in assets in IL (n=149-151)
State savings bank · OCC · 11 branches
Q2 2026
$421.9MAssets
$301.8MLoans
$325.2MDeposits
$45.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 61% of banks under $1B in assets in IL (rank 59 of 149).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in IL (rank 138 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.40%
Rank 134 of 151
Net Interest Margin
2.90%
Rank 124 of 151
Efficiency Ratio
78.00%
Rank 123 of 151
Equity / Assets
10.76%
Rank 71 of 151
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 19% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.70% | 1.03% | 1.34% | Beats 11% | 134 / 151 | |
| Return on Equity | 3.74% | 6.74% | 9.34% | 12.94% | Beats 9% | 137 / 151 | |
| Net Interest Margin | 2.90% | 3.02% | 3.43% | 3.83% | Beats 18% | 124 / 151 | |
| Efficiency Ratio | 78.00% | 54.64% | 64.89% | 72.50% | Beats 19% | 123 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.20% | 0.66% | 1.77% | Beats 34% | 100 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 61% | 59 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.69% | 11.83% | 14.17% | 18.66% | Beats 11% | 134 / 151 | |
| Total Risk-Based Capital Ratio | 10.69% | 12.22% | 14.54% | 19.92% | Beats 9% | 138 / 151 | |
| Equity / Assets | 10.76% | 9.10% | 10.65% | 12.40% | Beats 53% | 71 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 92.80% | 54.39% | 71.02% | 80.75% | 92nd pctl | 12 / 149 | |
| Loans / Assets | 71.53% | 45.91% | 61.31% | 68.01% | 85th pctl | 22 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |