The Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.24 percentage points higher than in Q1 2026, at 130.66%. On return on assets, The Federal Savings Bank is 31st from the bottom among 323 Illinois banks, 0.29% (Q2 2026). The Federal Savings Bank's return on assets of 0.29% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.99 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.97% |
| Tier 1 risk-based capital ratio | 19.97% |
| Total risk-based capital ratio | 20.68% |
| Tier 1 leverage ratio | 15.86% |
| Equity capital to assets | 15.28% |
| Tangible equity to tangible assets | 15.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.54% |
| Non-performing assets ratio | 3.36% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 21.24% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 17.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.29% |
| Return on equity | 1.83% |
| Net interest margin | 3.57% |
| Efficiency ratio | 97.41% |
| Yield on earning assets | 6.79% |
| Cost of funds | 3.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 130.66% |
| Core deposits to total deposits | 54.71% |
| Brokered deposits to total deposits | 27.98% |
| Deposits to assets | 68.58% |
| Securities to assets | 0.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.47% | 20.47% | 21.59% | 14.04% | 0.16% |
| Q4 2023 | 19.49% | 19.49% | 20.63% | 13.50% | 0.13% |
| Q1 2024 | 18.93% | 18.93% | 20.06% | 13.07% | -1.10% |
| Q2 2024 | 16.82% | 16.82% | 17.87% | 12.78% | 0.08% |
| Q3 2024 | 17.33% | 17.33% | 18.30% | 12.96% | 0.83% |
| Q4 2024 | 17.84% | 17.84% | 18.76% | 13.16% | 1.71% |
| Q1 2025 | 17.07% | 17.07% | 17.93% | 13.27% | -0.33% |
| Q2 2025 | 17.58% | 17.58% | 18.44% | 13.95% | 1.44% |
| Q3 2025 | 17.91% | 17.91% | 18.60% | 14.17% | 1.13% |
| Q4 2025 | 19.36% | 19.36% | 20.17% | 14.44% | 0.59% |
| Q1 2026 | 20.14% | 20.14% | 20.89% | 15.01% | -0.17% |
| Q2 2026 | 19.97% | 19.97% | 20.68% | 15.86% | 0.29% |
The Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35518) · FFIEC NIC profile (RSSD 2806877)