The Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Federal Savings Bank of Chicago, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.29% | 1.46% | -1.17% | 5th bottom |
| ROAE | 1.83% | 12.72% | -10.89% | 4th bottom |
| Net Interest Margin | 3.57% | 3.85% | -0.28% | 40th below |
| Efficiency Ratio | 97.41% | 57.39% | +40.02% | 2nd bottom |
| PPNR / Avg Assets | 0.49% | 1.88% | -1.39% | 4th bottom |
| Yield on Earning Assets | 6.79% | 5.72% | +1.07% | 94th top |
| Cost of Funds | 3.80% | 2.02% | +1.78% | 1st bottom |
| Net Interest Spread | 2.74% | 3.18% | -0.44% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.54% | 1.00% | +2.54% | 4th bottom |
| NPA / Total Assets | 3.36% | 0.76% | +2.60% | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 19th bottom |
| ACL / Total Loans | 0.61% | 1.31% | -0.70% | 6th bottom |
| ACL / NPLs (Coverage) | 17.32% | 543.58% | -526.26% | 1st bottom |
| Texas Ratio | 21.24% | 7.38% | +13.86% | 6th bottom |
| Provision / NCO | -4.86% | 618.91% | -623.77% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.97% | 17.34% | +2.63% | 91st top |
| Tier 1 Ratio | 19.97% | 17.37% | +2.60% | 91st top |
| Total Capital Ratio | 20.68% | 18.42% | +2.26% | 90th top |
| Leverage Ratio | 15.86% | 11.43% | +4.43% | 94th top |
| Equity / Assets | 15.28% | 11.33% | +3.95% | 94th top |
| TCE / Tangible Assets | 15.25% | 10.50% | +4.75% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 130.66% | 86.93% | +43.73% | 1st bottom |
| Core Deposit Ratio | 54.71% | 85.57% | -30.86% | 2nd bottom |
| Uninsured Deposit Ratio | 15.02% | 33.13% | -18.11% | 92nd top |
| Wholesale Funding Ratio | 12.03% | 5.70% | +6.33% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -11.80% | 9.69% | -21.49% | 1st bottom |
| Loan Growth (Y/Y) | -11.08% | 8.06% | -19.14% | 2nd bottom |
| Deposit Growth (Y/Y) | -5.78% | 7.88% | -13.66% | 4th bottom |
See The Federal Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Federal Savings Bank profile, how to read a UBPR, or how this data updates.