Bank Comparison
First State Bank Shannon-Polo vs First Federal Savings Bank of Champaign-Urbana
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At Q2 2026, First Federal Savings Bank of Champaign-Urbana is the larger bank, with $192.5M in total assets to First State Bank Shannon-Polo's $190.5M; First Federal Savings Bank of Champaign-Urbana has the higher return on assets (1.79% vs 0.57%).
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winning metrics across 13 scored rows
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Capital adequacy
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| CET1 Ratio | 13.80% | — |
| Tier 1 Capital Ratio | 13.80% | — |
| Total Capital Ratio | 14.69% | — |
| Tier 1 Leverage Ratio | 10.31% | 12.71% |
| Equity / Assets | 8.44% | 13.78% |
Profitability
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| Return on Assets (ROA) | 0.57% | 1.79% |
| Return on Equity (ROE) | 6.82% | 13.83% |
| Net Interest Margin (NIM) | 2.98% | 5.41% |
| Yield on Earning Assets | 4.26% | 5.42% |
| Cost of Funds | 1.40% | 0.02% |
Asset quality
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| Texas Ratio | 18.93% | 0.39% |
| Non-Performing Loan Ratio | 2.64% | 0.09% |
| Non-Performing Asset Ratio | 1.51% | 0.06% |
| Net Charge-Off Ratio | 1.06% | 0.00% |
| ACL / Loans | 1.17% | 0.91% |
Balance sheet
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| Total Assets | $190.5M | $192.5M |
| Total Deposits | $167.1M | $163.6M |
| Total Loans | $109.2M | $117.1M |
| Total Equity | $16.1M | $26.5M |
| Net Income (quarter) | $275K | $902K |
Liquidity & funding
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| Loan-to-Deposit Ratio | 65.36% | 71.57% |
| Core Deposit Ratio | 89.67% | 99.45% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign-Urbana |
|---|---|---|
| Headquarters City | Shannon | Champaign |
| Headquarters State | IL | IL |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 41 | 48 |
| Established | January 14, 1930 | January 1, 1908 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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