Bank Comparison
Commerce Bank vs First Federal Savings and Loan Association of Central Illinois, S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
First Federal Savings and Loan Association of Central Illinois, S.B.
RSSD 399973 · SHELBYVILLE, IL
Full profile →Capital adequacy
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| CET1 Ratio | 16.46% | 14.09% |
| Tier 1 Capital Ratio | 16.46% | 14.09% |
| Total Capital Ratio | 17.71% | 15.23% |
| Tier 1 Leverage Ratio | 13.35% | 11.09% |
| Equity / Assets | 12.73% | 11.20% |
Profitability
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 1.37% |
| Return on Equity (ROE) | 10.41% | 12.41% |
| Net Interest Margin (NIM) | 2.87% | 4.26% |
| Yield on Earning Assets | 5.38% | 6.26% |
| Cost of Funds | 2.93% | 2.15% |
Asset quality
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| Texas Ratio | 27.05% | 7.47% |
| Non-Performing Loan Ratio | 2.05% | 0.96% |
| Non-Performing Asset Ratio | 1.72% | 0.84% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.75% | 1.20% |
Balance sheet
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| Total Assets | $226,753K | $226,831K |
| Total Deposits | $165,500K | $193,302K |
| Total Loans | $190,149K | $163,878K |
| Total Equity | $28,867K | $25,409K |
| Net Income (quarter) | $749 | $780 |
Liquidity & funding
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 114.89% | 84.78% |
| Core Deposit Ratio | 97.78% | 90.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commerce Bank | First Federal Savings and Loan Association of Central Illinois, S.B. |
|---|---|---|
| Headquarters City | GENEVA | SHELBYVILLE |
| Headquarters State | MN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 12 | 43 |
| Established | Jan. 1, 1915, midnight | Jan. 1, 1906, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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