Federated 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.
Loan-to-deposit ratio climbed 2.01 percentage points in Q2 2026, from 73.39% to 75.40%. It was the largest change from Q1 2026 among the key lines here. Federated Bank ranks 239th of 323 Illinois banks on return on assets, in the lower half at 0.78% (Q2 2026). Federated Bank reported 0.78% on return on assets for Q2 2026, 0.48 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 12.56% |
| Tier 1 leverage ratio | 8.88% |
| Equity capital to assets | 13.99% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 8.18% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 5.48% |
| Net interest margin | 5.64% |
| Efficiency ratio | 76.26% |
| Yield on earning assets | 6.74% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.40% |
| Core deposits to total deposits | 93.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.09% |
| Securities to assets | 13.65% |
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 | 16.59% | 16.59% | 17.78% | 8.90% | 1.03% |
| Q4 2023 | 16.16% | 16.16% | 17.29% | 9.07% | 1.06% |
| Q1 2024 | 16.04% | 16.04% | 17.19% | 8.67% | 0.55% |
| Q2 2024 | 16.34% | 16.34% | 17.25% | 8.84% | 0.87% |
| Q3 2024 | 16.12% | 16.12% | 17.06% | 8.86% | 1.17% |
| Q4 2024 | 15.50% | 15.50% | 16.39% | 9.18% | 0.73% |
| Q1 2025 | 16.71% | 16.71% | 17.70% | 8.92% | 0.73% |
| Q2 2025 | 13.87% | 13.87% | 14.81% | 8.63% | -1.45% |
| Q3 2025 | 12.26% | 12.26% | 13.09% | 8.46% | 1.05% |
| Q4 2025 | 12.41% | 12.41% | 13.24% | 9.06% | 0.76% |
| Q1 2026 | 12.44% | 12.44% | 13.28% | 8.87% | 1.64% |
| Q2 2026 | 11.79% | 11.79% | 12.56% | 8.88% | 0.78% |
Federated Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Federated 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 Federated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10464) · FFIEC NIC profile (RSSD 640143)