Bank Comparison
First Federal Savings and Loan Association of Central Illinois, S.B. vs Wcf Financial 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
20 · 2
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| CET1 Ratio | 14.09% | 11.33% |
| Tier 1 Capital Ratio | 14.09% | 11.33% |
| Total Capital Ratio | 15.23% | 12.57% |
| Tier 1 Leverage Ratio | 11.09% | 8.08% |
| Equity / Assets | 11.20% | 7.75% |
Profitability
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| Return on Assets (ROA) | 1.37% | -0.05% |
| Return on Equity (ROE) | 12.41% | -0.71% |
| Net Interest Margin (NIM) | 4.26% | 2.46% |
| Yield on Earning Assets | 6.26% | 5.29% |
| Cost of Funds | 2.15% | 2.92% |
Asset quality
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| Texas Ratio | 7.47% | 49.63% |
| Non-Performing Loan Ratio | 0.96% | 5.48% |
| Non-Performing Asset Ratio | 0.84% | 4.22% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.20% | 1.13% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| Total Assets | $226,831K | $226,778K |
| Total Deposits | $193,302K | $176,927K |
| Total Loans | $163,878K | $174,577K |
| Total Equity | $25,409K | $17,570K |
| Net Income (quarter) | $780 | $-31 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.78% | 98.67% |
| Core Deposit Ratio | 90.25% | 75.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Central Illinois, S.B. | Wcf Financial Bank |
|---|---|---|
| Headquarters City | SHELBYVILLE | WEBSTER CITY |
| Headquarters State | IL | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 43 | 30 |
| Established | Jan. 1, 1906, midnight | June 1, 1934, 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 Wcf Financial Bank profile | Browse all bank comparisons