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First Federal Savings Bank of Champaign Urbana

$100M-$1B Specialty: Other IL FDIC cert 28445

Champaign, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First Federal Savings Bank of Champaign Urbana has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 6.9% in tier
  • + Deposit Franchise: Top 27.9% in tier
  • + ROA 0.72% above tier average
  • + Efficiency Ratio 3.12% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.1% in tier
  • - Credit Quality Pressure: Bottom 6.4% in tier
Get updates when First Federal Savings Bank of Champaign Urbana releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $202.0M
+1.3% YoY +1.9% QoQ
-$184.1M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
27%
Total Loans ? $111.2M
+2.1% YoY +1.1% QoQ
-$144.5M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
23%
Total Deposits ? $174.1M
+0.9% YoY +1.9% QoQ
-$153.9M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
27%
Return on Assets ? 1.99%
+2.9% YoY +11.3% QoQ
+0.72% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
Top 12.8% in tier
Net Interest Margin ? 5.49%
-3.5% YoY -4.1% QoQ
+1.56% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Top 2.9% in tier
Efficiency Ratio ? 62.17%
-0.4% YoY -4.9% QoQ
-3.12% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
53%
Delinquency Rate ? 0.10%
+18.4% YoY -23.4% QoQ
-0.79% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
74%
Loan-to-Deposit Ratio ? 63.87%
+1.2% YoY -0.8% QoQ
-12.77% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
77%
Non-Interest-Bearing Deposit Share ? 33.10%
+0.7% YoY +2.8% QoQ
+11.08% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Top 12.3% in tier
Nonperforming Asset Ratio ? 0.05%
-17.1% YoY -23.9% QoQ
-0.58% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
77%
Tier 1 Capital Ratio ? 12.35%
+4.2% YoY -3.8% QoQ
-3.48% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.49%
+8.7% YoY -69.9% QoQ
+0.21% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
Top 3.3% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#47 of 666 • Top 6.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.49%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 1.99%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#77 of 272 • Top 27.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.10%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.49%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#21 of 973 • Bottom 2.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#85 of 1308 • Bottom 6.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

79
Net Interest Margin
profitability
Value: 5.49%
Peer Median: 3.93%
#79 of 2664 Top 2.9% in $100M-$1B
89
Non-Interest Income / Assets
revenue_mix
Value: 0.49%
Peer Median: 0.28%
#89 of 2664 Top 3.3% in $100M-$1B
329
Non-Interest-Bearing Deposit Share
funding
Value: 33.10%
Peer Median: 22.02%
#329 of 2664 Top 12.3% in $100M-$1B
342
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.27%
#342 of 2664 Top 12.8% in $100M-$1B
611
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.64%
#611 of 2664 Top 22.9% in $100M-$1B
622
Loan-to-Deposit Ratio
liquidity
Value: 63.87%
Peer Median: 76.64%
#622 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (1 metrics)

2047
Total Loans
size
Value: $111.20M
Peer Median: $255.72M
#2047 of 2664 Bottom 23.2% in $100M-$1B
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