First Federal Savings and Loan Association of Central Illinois, S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings and Loan Association of Central Illinois, S.B. of Shelbyville, IL against its peer group of 2672 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 | 0.54% | 1.35% | -0.81% | 14th bottom |
| ROAE | 5.01% | 12.06% | -7.05% | 14th bottom |
| Net Interest Margin | 4.30% | 3.90% | +0.40% | 70th above |
| Efficiency Ratio | 79.91% | 63.14% | +16.77% | 14th bottom |
| PPNR / Avg Assets | 0.77% | 1.64% | -0.87% | 14th bottom |
| Yield on Earning Assets | 6.32% | 5.65% | +0.67% | 81st top |
| Cost of Funds | 2.21% | 1.85% | +0.36% | 26th below |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.92% | -0.11% | 33rd below |
| NPA / Total Assets | 0.69% | 0.67% | +0.02% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.15% | -0.03% | 17th bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 146.80% | 1645.78% | -1498.98% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.27% | 7.15% | -0.88% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 241.51% | 1189.78% | -948.27% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.02% | 20.83% | -6.81% | 39th below |
| Tier 1 Ratio | 14.02% | 20.87% | -6.85% | 39th below |
| Total Capital Ratio | 15.16% | 21.94% | -6.78% | 39th below |
| Leverage Ratio | 10.73% | 12.46% | -1.73% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.67% | -0.65% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.30% | 11.40% | -1.10% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.38% | 78.64% | +4.74% | 44th below |
| Core Deposit Ratio | 85.17% | 87.09% | -1.92% | 31st below |
| Wholesale Funding Ratio | 2.91% | 5.11% | -2.20% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.86% | 6.47% | +4.39% | 85th top |
| Loan Growth (Y/Y) | 9.90% | 7.64% | +2.26% | 73rd above |
| Deposit Growth (Y/Y) | 11.83% | 6.02% | +5.81% | 87th top |
See First Federal Savings and Loan Association of Central Illinois, S.B.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of Central Illinois, S.B., 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 First Federal Savings and Loan Association of Central Illinois, S.B. profile, how to read a UBPR, or how this data updates.