First 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 Reserve coverage of non-performing loans: 9.19 percentage points higher than in Q1 2026, at 75.20%. First Federal Savings Bank ranks 279th of 323 Illinois banks on return on assets, in the lower half at 0.46% (Q2 2026). First Federal Savings Bank's return on assets of 0.46% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 10.76% |
| Tangible equity to tangible assets | 10.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 1.23% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 10.54% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 75.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 4.37% |
| Net interest margin | 3.14% |
| Efficiency ratio | 75.35% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.80% |
| Core deposits to total deposits | 94.49% |
| Brokered deposits to total deposits | 0.31% |
| Deposits to assets | 77.07% |
| Securities to assets | 18.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 0.06% | 2.56% | 0.57% | -0.02% |
| Q4 2023 | 11.06% | 0.09% | 2.61% | 0.55% | -0.02% |
| Q1 2024 | 10.89% | 0.00% | 2.48% | 0.96% | 0.00% |
| Q2 2024 | 10.86% | 0.04% | 2.55% | 1.11% | -0.06% |
| Q3 2024 | 10.93% | 0.06% | 2.50% | 1.11% | -0.02% |
| Q4 2024 | 10.60% | -0.09% | 2.45% | 1.14% | -0.01% |
| Q1 2025 | 10.04% | 0.06% | 2.35% | 2.77% | -0.01% |
| Q2 2025 | 10.22% | 0.26% | 2.71% | 2.34% | -0.01% |
| Q3 2025 | 10.54% | 0.25% | 2.79% | 1.73% | -0.00% |
| Q4 2025 | 10.60% | 0.27% | 2.82% | 2.21% | -0.16% |
| Q1 2026 | 10.49% | 0.33% | 2.91% | 1.90% | -0.09% |
| Q2 2026 | 10.69% | 0.46% | 3.14% | 1.72% | -0.02% |
First Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28924) · FFIEC NIC profile (RSSD 771878)