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First Federal Savings and Loan Association of Central Illinois, S.B.

$100M-$1B Specialty: Commercial IL FDIC cert 29645

Designations: ✓ Mutual

Shelbyville, IL

4 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 +11.8% year over year ($201.5M on the books).
  • Delinquency rate 0.71%.
  • Return on assets 0.96%.
  • Efficiency ratio 69.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.39% 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 and Loan Association of Central Illinois, S.B. has 2 strengths but faces 3 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

  • + Net Interest Margin 0.41% above tier average
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 31.9% in tier
  • - Credit Quality Pressure: Bottom 44.6% in tier
  • - Efficiency Ratio 5.25% above tier average
Get updates when First Federal Savings and Loan Association of Central Illinois, S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $235.0M
+10.9% YoY +3.6% QoQ
-$151.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $166.1M
+9.9% YoY +2.6% QoQ
-$92.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $201.5M
+11.8% YoY +4.3% QoQ
-$125.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.96%
-22.6% YoY -30.3% QoQ
-0.36% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 4.40%
+9.4% YoY +1.2% QoQ
+0.41% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 69.73%
+12.9% YoY +13.7% QoQ
+5.25% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.71%
+47.9% YoY -17.4% QoQ
-0.21% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 82.39%
-1.7% YoY -1.6% QoQ
+4.44% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 10.42%
+3.5% YoY -9.8% QoQ
-11.61% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 11.4% in tier
Nonperforming Asset Ratio ? 0.62%
+31.5% YoY -18.5% QoQ
-0.05% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 14.02%
+1.5% YoY -0.5% QoQ
-1.89% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.36%
-41.1% YoY +6.8% QoQ
-0.20% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
81%

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 10.4%
+0.4pp YoY
-1.1pp QoQ
 -11.7pp 22.1% 20.1% 22.2% 11%
Brokered Deposits 5.0%
+2.7pp YoY
+2.9pp QoQ
 -2.8pp 7.9% 8.0% 8.5% 52%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 11.5%
-1.1pp YoY
+0.5pp QoQ
 0.0pp 11.6% 14.7% 12.5% 61%
CRE 41.9%
+1.9pp YoY
+1.1pp QoQ
 +2.4pp 39.5% 37.9% 41.4% 57%
1-4 Family 34.8%
-1.8pp YoY
-1.7pp QoQ
 +2.2pp 32.6% 28.3% 31.3% 61%
Consumer 7.1%
0.0pp YoY
+0.2pp QoQ
 +3.0pp 4.1% 5.4% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.0%
+0.2pp YoY
-0.1pp QoQ
 -4.8pp 18.8% 19.9% 19.7% 39%
Leverage Ratio 10.7%
0.0pp YoY
-0.4pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 45%
Total Capital Ratio 15.2%
+0.2pp YoY
-0.1pp QoQ
 -4.8pp 19.9% 20.9% 20.8% 39%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 43
+3 (+7.5%) YoY
0 QoQ
 -16 58 228 482 45%
Assets per Employee ($) $5.5M
+3.1% YoY
+3.6% QoQ
 -$2.1M $7.5M $8.3M $8.8M 22%
Branch Count 4
+1 (+33.3%) YoY
+1 (+33.3%) QoQ
 -1 4 10 18 42%

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 0.7%
+0.2pp YoY
-0.2pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 63%
Allowance Coverage 1.69x
-34.8% YoY
+20.0% QoQ
 -22.47x 24.15x 5.62x 20.23x 43%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.7%
-3.3pp YoY
-3.7pp QoQ
 -3.5pp 12.2% 10.5% 11.6% 29%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 74%
Net Income ($, YTD) $1.1M
-16.9% YoY
— QoQ
 -$1.5M $2.6M $11.7M $40.4M 30%

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 (2)

Margin Compression

decline
#99 of 307 • Bottom 31.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.96%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Credit Quality Pressure

risk
#561 of 1256 • Bottom 44.6% in tier

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

Why this signature
Delinquency Rate: 0.71%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

497
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#497 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (1 metrics)

2342
Non-Interest-Bearing Deposit Share
funding
Value: 10.42%
Peer Median: 22.03%
#2342 of 2643 Bottom 11.4% in $100M-$1B
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