BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Central Illinois, S.B.
Designations: ✓ Mutual
Shelbyville, IL
4 branches across IL
First Federal Savings and Loan Association of Central Illinois, S.B. shows strong momentum with 4 strengths and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 22.8% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 3.95% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.8M
+5.4% YoY
+0.8% QoQ
|
-$159.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$161.9M
+12.0% YoY
+0.2% QoQ
|
-$93.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$193.3M
+5.0% YoY
+2.7% QoQ
|
-$134.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.38%
+20.7% YoY
+21.5% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.35%
+11.1% YoY
+2.2% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
61.34%
-0.6% YoY
-3.9% QoQ
|
-3.95% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.86%
+61.8% YoY
+45.4% QoQ
|
-0.02% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
83.76%
+6.7% YoY
-2.5% QoQ
|
+7.12% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
11.54%
-0.2% YoY
+1.9% QoQ
|
-10.48% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.1% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+24.8% YoY
+33.2% QoQ
|
+0.12% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.09%
-5.1% YoY
+3.5% QoQ
|
-1.74% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.34%
+39.8% YoY
-72.5% QoQ
|
+0.06% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 5.8% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.