BlastPoint's Banking Scorecard
First Federal Savings Bank of Champaign Urbana
Champaign, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +0.9% year over year ($163.6M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.92%.
- Efficiency ratio 62.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings Bank of Champaign Urbana has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.8% in tier
- + Revenue Diversifier: Top 6.8% in tier
- + Deposit Franchise: Top 37.4% in tier
- + ROA 0.60% above tier average
- + Efficiency Ratio 1.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.4% in tier
- - Credit Risk Growth: Bottom 18.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.5M
+1.4% YoY
-4.7% QoQ
|
-$194.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$116.0M
+6.1% YoY
+4.3% QoQ
|
-$142.3M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$163.6M
+0.9% YoY
-6.0% QoQ
|
-$163.1M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.92%
+0.0% YoY
-3.5% QoQ
|
+0.60% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
85% |
| Net Interest Margin ? |
5.57%
-3.0% YoY
+1.3% QoQ
|
+1.58% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Top 2.6% in tier |
| Efficiency Ratio ? |
62.93%
-0.4% YoY
+1.2% QoQ
|
-1.55% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.09%
+13.3% YoY
-6.8% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
70.92%
+5.2% YoY
+11.0% QoQ
|
-7.04% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
31.64%
+1.4% YoY
-4.4% QoQ
|
+9.61% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.06%
-18.2% YoY
+2.1% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
12.71%
+3.1% YoY
+2.9% QoQ
|
-3.20% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
1.00%
+10.8% YoY
+104.0% QoQ
|
+0.44% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 3.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.6%
+0.4pp YoY -1.5pp QoQ |
+9.5pp | 22.1% | 20.1% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.5%
-0.1pp YoY 0.0pp QoQ |
-9.1pp | 11.6% | 14.7% | 12.5% | 8% |
| CRE |
27.4%
-1.1pp YoY -1.0pp QoQ |
-12.2pp | 39.5% | 37.9% | 41.4% | 30% |
| 1-4 Family |
68.2%
+1.1pp YoY +0.9pp QoQ |
+35.5pp | 32.6% | 28.3% | 31.3% | 94% |
| Consumer |
1.6%
+0.3pp YoY +0.1pp QoQ |
-2.5pp | 4.1% | 5.4% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
12.7%
+0.4pp YoY +0.4pp QoQ |
+0.5pp | 12.2% | 12.2% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
0 YoY 0 QoQ |
-11 | 58 | 228 | 482 | 50% |
| Assets per Employee ($) |
$4.0M
+1.4% YoY -4.7% QoQ |
-$3.5M | $7.5M | $8.3M | $8.8M | 4% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 18% |
| Allowance Coverage |
9.98x
-13.1% YoY +7.3% QoQ |
-14.17x | 24.15x | 5.62x | 20.23x | 82% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-1.2pp YoY -0.9pp QoQ |
+2.4pp | 12.2% | 10.5% | 11.6% | 66% |
| Cost of Funds (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.6% | 1.7% | 0% |
| Net Income ($, YTD) |
$1.9M
+2.3% YoY — QoQ |
-$656K | $2.6M | $11.7M | $40.4M | 50% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.