Federal Savings Bank, The
Chicago, IL · Cert 35518 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · National Bcorp Holdings Inc.
State savings bank · OCC · 2 branches
Q2 2026
$1.1BAssets
$968.4MLoans
$741.1MDeposits
$165.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
- Widest gap: return on equity trails 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.05%
Rank 31 of 31
Net Interest Margin
3.34%
Rank 15 of 31
Efficiency Ratio
99.72%
Rank 31 of 31
Equity / Assets
15.28%
Rank 1 of 31
Non-interest income vs. expense
Unfavorable gap of $34.3M · efficiency ratio beats 3% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 1.15% | 1.39% | 1.64% | Beats 0% | 31 / 31 | |
| Return on Equity | 0.35% | 11.05% | 13.35% | 16.66% | Beats 0% | 31 / 31 | |
| Net Interest Margin | 3.34% | 3.00% | 3.28% | 3.75% | Beats 52% | 15 / 31 | |
| Efficiency Ratio | 99.72% | 37.25% | 50.71% | 61.60% | Beats 3% | 31 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.69% | 0.18% | 0.41% | 1.00% | Beats 6% | 30 / 31 | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.04% | 0.11% | Beats 16% | 27 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 19.97% | 10.88% | 11.50% | 13.72% | Beats 97% | 1 / 31 | |
| Total Risk-Based Capital Ratio | 20.68% | 11.53% | 12.02% | 14.77% | Beats 97% | 1 / 31 | |
| Equity / Assets | 15.28% | 8.90% | 10.15% | 11.24% | Beats 97% | 1 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 130.66% | 80.56% | 87.67% | 94.53% | 97th pctl | 1 / 31 | |
| Loans / Assets | 89.61% | 67.81% | 73.77% | 76.85% | 97th pctl | 1 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |