Bank Comparison
First Federal Savings and Loan Association of Central Illinois, S.B. vs Texas Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
First Federal Savings and Loan Association of Central Illinois, S.B.
RSSD 399973 · SHELBYVILLE, IL
Full profile →vs
8 · 14
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| CET1 Ratio | 14.09% | 13.97% |
| Tier 1 Capital Ratio | 14.09% | 13.97% |
| Total Capital Ratio | 15.23% | 15.22% |
| Tier 1 Leverage Ratio | 11.09% | 9.94% |
| Equity / Assets | 11.20% | 12.35% |
Profitability
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 1.46% |
| Return on Equity (ROE) | 12.41% | 11.79% |
| Net Interest Margin (NIM) | 4.26% | 5.44% |
| Yield on Earning Assets | 6.26% | 6.68% |
| Cost of Funds | 2.15% | 1.36% |
Asset quality
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| Texas Ratio | 7.47% | 0.50% |
| Non-Performing Loan Ratio | 0.96% | 0.06% |
| Non-Performing Asset Ratio | 0.84% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.20% | 1.11% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| Total Assets | $226,831K | $227,127K |
| Total Deposits | $193,302K | $196,251K |
| Total Loans | $163,878K | $166,030K |
| Total Equity | $25,409K | $28,049K |
| Net Income (quarter) | $780 | $815 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.78% | 84.60% |
| Core Deposit Ratio | 90.25% | 92.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Texas Heritage Bank |
|---|---|---|
| Headquarters City | SHELBYVILLE | Boerne |
| Headquarters State | IL | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 43 | 37 |
| Established | Jan. 1, 1906, midnight | Oct. 23, 1931, 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.
View full First Federal Savings and Loan Association of Central Illinois, S.B. profile | View full Texas Heritage Bank profile | Browse all bank comparisons