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First Federal Savings Bank of Mascoutah, Illinois

Mascoutah, IL · Cert 30969 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40)

State charter, Fed member · FED · 3 branches

Q2 2026

$207.3MAssets
$163.4MLoans
$185.3MDeposits
$20.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets in the St. Louis, MO-IL area (rank 36 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 26 of 40

Net Interest Margin

2.77%

Rank 36 of 40

Efficiency Ratio

58.23%

Rank 12 of 40

Equity / Assets

9.75%

Rank 19 of 40

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 72% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 58.23%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.64%1.04%1.26%Beats 35%26 / 40
Return on Equity8.57%6.25%9.97%13.41%Beats 40%24 / 40
Net Interest Margin2.77%3.09%3.22%3.62%Beats 10%36 / 40
Efficiency Ratio58.23%57.08%64.37%75.86%Beats 72%12 / 40
Asset Quality
Nonperforming Loans / Loans2.12%0.14%0.62%1.92%Beats 21%31 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio15.33%10.29%12.88%15.77%Beats 70%12 / 40
Total Risk-Based Capital Ratio16.49%10.64%13.30%17.01%Beats 70%12 / 40
Equity / Assets9.75%8.59%9.46%12.46%Beats 53%19 / 40
Liquidity & Funding
Loans / Deposits88.18%66.12%79.48%94.60%70th pctl12 / 40
Loans / Assets78.83%54.69%68.52%77.46%78th pctl9 / 40
Brokered Deposits / Depositsn/aNot reported for this institution