BlastPoint's Banking Scorecard
First Federal Savings Bank
Designations: ✓ Mutual
Ottawa, IL
11 branches across IL
First Federal Savings Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 4.6% in tier
- - Capital Thin: Bottom 6.0% in tier
- - Deposit Outflow: Bottom 28.8% in tier
- - Efficiency Drag: Bottom 46.9% in tier
- - Return on Assets 0.93% below tier average
- - Non-Interest-Bearing Deposit Share 13.72% below tier average
- - Net Interest Margin 0.95% below tier average
- - Delinquency Rate 0.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$425.9M
-3.1% YoY
+0.8% QoQ
|
+$39.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$291.3M
+3.8% YoY
+2.6% QoQ
|
+$35.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$329.4M
-4.6% YoY
+0.7% QoQ
|
+$1.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
0.34%
+497.1% YoY
+60.6% QoQ
|
-0.93% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.8% in tier |
| Net Interest Margin ? |
2.98%
+19.5% YoY
+7.5% QoQ
|
-0.95% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio ? |
80.86%
-16.8% YoY
-8.7% QoQ
|
+15.57% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate ? |
1.37%
-31.1% YoY
-14.3% QoQ
|
+0.48% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
88.42%
+8.8% YoY
+1.9% QoQ
|
+11.78% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
8.30%
-0.9% YoY
+7.5% QoQ
|
-13.72% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.7% in tier |
| Nonperforming Asset Ratio ? |
0.94%
-26.2% YoY
-12.8% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.49%
+4.5% YoY
-1.0% QoQ
|
-5.34% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.12%
+56.0% YoY
-66.9% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (0)
Concerns (4)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.