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First Federal Savings Bank

$100M-$1B Specialty: Mortgage IL FDIC cert 28924

Designations: ✓ Mutual

Ottawa, IL

11 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 -2.0% year over year ($325.2M on the books).
  • Delinquency rate 1.34%.
  • Return on assets 0.40%.
  • Efficiency ratio 78.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First Federal Savings Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.5% in tier
  • - Capital Thin: Bottom 16.2% in tier
  • - Liquidity Strain: Bottom 21.8% in tier
  • - Return on Assets 0.92% below tier average
  • - Non-Interest-Bearing Deposit Share 13.67% below tier average
  • - Net Interest Margin 0.88% below tier average
  • - Efficiency Ratio 13.52% above tier average
  • - Delinquency Rate 0.42% above tier average
Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $421.9M
-1.1% YoY -0.9% QoQ
+$35.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $297.9M
+5.0% YoY +2.3% QoQ
+$39.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $325.2M
-2.0% YoY -1.3% QoQ
-$1.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 0.40%
+155.4% YoY +19.5% QoQ
-0.92% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 9.8% in tier
Net Interest Margin ? 3.11%
+17.4% YoY +4.3% QoQ
-0.88% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 12.9% in tier
Efficiency Ratio ? 78.00%
-14.6% YoY -3.5% QoQ
+13.52% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.34%
-14.2% YoY -2.0% QoQ
+0.42% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 91.60%
+7.1% YoY +3.6% QoQ
+13.65% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 8.36%
+4.1% YoY +0.8% QoQ
-13.67% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 7.7% in tier
Nonperforming Asset Ratio ? 0.95%
-8.9% YoY +1.2% QoQ
+0.28% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 10.69%
+4.6% YoY +1.9% QoQ
-5.22% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.25%
+50.6% YoY +109.8% QoQ
-0.32% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
63%

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 8.4%
+0.3pp YoY
+0.1pp QoQ
 -13.8pp 22.1% 20.1% 22.2% 7%
Brokered Deposits 0.3%
-0.3pp YoY
-0.3pp QoQ
 -7.5pp 7.9% 8.0% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 0.5%
-1.2pp YoY
-0.5pp QoQ
 -11.1pp 11.6% 14.7% 12.5% 2%
CRE 27.2%
-0.6pp YoY
-0.3pp QoQ
 -12.3pp 39.5% 37.9% 41.4% 30%
1-4 Family 72.2%
+2.2pp YoY
+0.9pp QoQ
 +39.6pp 32.6% 28.3% 31.3% 95%
Consumer 1.3%
-0.4pp YoY
-0.1pp QoQ
 -2.8pp 4.1% 5.4% 5.0% 36%

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 10.7%
+0.5pp YoY
+0.2pp QoQ
 -1.5pp 12.2% 12.2% 12.6% 45%
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 95
+3 (+3.3%) YoY
0 QoQ
 +36 58 228 482 85%
Assets per Employee ($) $4.4M
-4.2% YoY
-0.9% QoQ
 -$3.1M $7.5M $8.3M $8.8M 8%
Branch Count 11
-1 (-8.3%) YoY
-1 (-8.3%) QoQ
 +6 4 10 18 93%

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 1.3%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 0.9% 1.1% 1.0% 79%
Allowance Coverage 0.98x
+32.7% YoY
+5.4% QoQ
 -23.18x 24.15x 5.62x 20.23x 26%
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 3.8%
+2.2pp YoY
+0.6pp QoQ
 -8.4pp 12.2% 10.5% 11.6% 10%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 58%
Net Income ($, YTD) $849,000
+153.4% YoY
— QoQ
 -$1.7M $2.6M $11.7M $40.4M 22%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#9 of 529 • Bottom 1.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.40%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Thin

risk
#108 of 661 • Bottom 16.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.69%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#152 of 691 • Bottom 21.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.60%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2441
Non-Interest-Bearing Deposit Share
funding
Value: 8.36%
Peer Median: 22.03%
#2441 of 2643 Bottom 7.7% in $100M-$1B
2385
Return on Assets
profitability
Value: 0.40%
Peer Median: 1.32%
#2385 of 2643 Bottom 9.8% in $100M-$1B
2304
Net Interest Margin
profitability
Value: 3.11%
Peer Median: 3.99%
#2304 of 2643 Bottom 12.9% in $100M-$1B
2219
Efficiency Ratio
profitability
Value: 78.00%
Peer Median: 64.48%
#2219 of 2643 Bottom 16.1% in $100M-$1B
2135
Tier 1 Capital Ratio
capital
Value: 10.69%
Peer Median: 15.91%
#2135 of 2643 Bottom 19.3% in $100M-$1B
2082
Delinquency Rate
credit_quality
Value: 1.34%
Peer Median: 0.92%
#2082 of 2633 Bottom 21.0% in $100M-$1B
2074
Nonperforming Asset Ratio
credit_quality
Value: 0.95%
Peer Median: 0.67%
#2074 of 2643 Bottom 21.6% in $100M-$1B
2036
Loan-to-Deposit Ratio
liquidity
Value: 91.60%
Peer Median: 77.95%
#2036 of 2643 Bottom 23.0% in $100M-$1B
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