First Federal Savings and Loan Association of Central Illinois, S.B.
Shelbyville, IL · Cert 29645 · Peer group: banks under $1B in assets in IL (n=149-151)
SI · FDIC · 4 branches
Q2 2026
$235.0MAssets
$168.1MLoans
$201.5MDeposits
$25.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in IL (rank 28 of 151).
- Widest gap: efficiency ratio trails 72% of banks under $1B in assets in IL (rank 110 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.94%
Rank 90 of 151
Net Interest Margin
3.98%
Rank 28 of 151
Efficiency Ratio
71.12%
Rank 110 of 151
Equity / Assets
11.02%
Rank 60 of 151
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 28% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.70% | 1.03% | 1.34% | Beats 40% | 90 / 151 | | |
| Return on Equity | 8.50% | 6.74% | 9.34% | 12.94% | Beats 42% | 88 / 151 | | |
| Net Interest Margin | 3.98% | 3.02% | 3.43% | 3.83% | Beats 81% | 28 / 151 | | |
| Efficiency Ratio | 71.12% | 54.64% | 64.89% | 72.50% | Beats 28% | 110 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.20% | 0.66% | 1.77% | Beats 48% | 78 / 149 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 38% | 94 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 14.02% | 11.83% | 14.17% | 18.66% | Beats 49% | 77 / 151 | | |
| Total Risk-Based Capital Ratio | 15.16% | 12.22% | 14.54% | 19.92% | Beats 54% | 69 / 151 | | |
| Equity / Assets | 11.02% | 9.10% | 10.65% | 12.40% | Beats 60% | 60 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.38% | 54.39% | 71.02% | 80.75% | 80th pctl | 30 / 149 | | |
| Loans / Assets | 71.52% | 45.91% | 61.31% | 68.01% | 85th pctl | 23 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |