First Federal Savings Bank of Champaign-Urbana
First Federal Savings Bank of Champaign-Urbana is an FDIC-insured savings institution headquartered in Champaign, IL, supervised by the OCC, with $192.5M in total assets at Q2 2026, up 1.4% from Q2 2025, the 202nd largest of 319 banks headquartered in Illinois. It was established in 1908 and holds FDIC certificate 28445. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FFSB of Champaign-Urbana
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28445
- Headquarters
- Champaign, IL
- Established
- 1908
- Total assets, Q2 2026
- $192.5M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 12.71%
- Domestic offices
- 2 · First Federal Savings Bank of Champaign-Urbana branches FDIC institution directory, current count
- Routing number
- 271170390
- Safety and soundness
- Is First Federal Savings Bank of Champaign-Urbana safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings Bank of Champaign-Urbana Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- GREAT AMERICAN BANCORP, INC.
- Asset rank in state
- 202nd of 319 in Illinois
First Federal Savings Bank of Champaign-Urbana earns an unusually wide margin on its lending. The Champaign, Illinois bank had $193 million in assets at June 30, 2026, up 1.4% from a year earlier. It keeps 5.41 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 0.02% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Loans are outrunning deposits: over the year loans rose 6.1% and deposits rose 0.9%.
As of June 30, 2026, First Federal Savings Bank of Champaign-Urbana reported a return on assets of 1.79%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings Bank of Champaign-Urbana is the 202nd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 4.7% to $192.5M, loans rose 4.3% and deposits fell 6.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 67.6% of total loans, ahead of multifamily loans at 11.0%. Its 2 offices in the FDIC Summary of Deposits are in Champaign, IL and Urbana, IL; its Champaign office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings Bank of Champaign-Urbana meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1311 S Neil St, Champaign, IL 61820
- County
- Champaign
- Metro Area
- Champaign-Urbana, IL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Former names
- First Federal Savings and Loan Association of Champaign-Urbana (1991-1995)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $163.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $201.4M
- Average total loans
- $114.1M
- Average interest-bearing deposits
- $115.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28445
- Fed RSSD
- 346771
- SEC CIK
- 943064 → filed by GREAT AMERICAN BANCORP, INC.
- Website
- www.356bank.com →
- Parent Holding Company
- GREAT AMERICAN BANCORP, INC. (RSSD 2507642)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Federal Savings Bank of Champaign-Urbana reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Savings Bank of Champaign-Urbana's total assets moved between a low of $186.5M (Q3 2025) and a high of $202.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.5M total assets against $189.9M; $166.0M total liabilities against $165.4M.
$116.0M net loans and leases against $109.3M; $163.6M total deposits against $162.2M.
$45.1M securities against $45.1M; $24.3M cash and balances due against $28.0M.
$2.6M total interest income against $2.6M; $9K total interest expense against $9K.
$2.6M net interest income against $2.6M.
$937K total noninterest income against $816K; $2.3M total noninterest expense against $2.2M.
$45K provision for credit losses against $0.
$902K net income against $913K.
1.79% return on assets against 1.87%; 5.41% net interest margin against 5.60%.
12.71% tier 1 leverage ratio against 12.32%.
Inside the full First Federal Savings Bank of Champaign-Urbana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings Bank of Champaign-Urbana rankings
Its closest position to the top of a national ranking is 759 of 3,611, for ROA; its furthest is 3,028 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.63% (Q3 2025) to 1.99% (Q1 2026) and its net interest margin ran from 5.41% (Q2 2026) to 5.74% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 1.79% | 0.09% | 0.39% | 5.41% |
| Q1 2026 | 12.35% | 1.99% | 0.10% | 0.42% | 5.45% |
| Q4 2025 | 12.83% | 1.70% | 0.13% | 0.54% | 5.65% |
| Q3 2025 | 12.50% | 1.63% | 0.11% | 0.48% | 5.73% |
| Q2 2025 | 12.32% | 1.87% | 0.08% | 0.52% | 5.60% |
| Q1 2025 | 11.85% | 1.93% | 0.08% | 0.55% | 5.62% |
| Q4 2024 | 11.70% | 1.82% | 0.09% | 0.57% | 5.73% |
| Q3 2024 | 11.64% | 1.99% | 0.09% | 0.58% | 5.74% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings Bank of Champaign Urbana | Champaign , IL | 61820 | $141.5M |
| Urbana Branch | Urbana , IL | 61801 | $22.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 246 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 115 applications, 111 loans originated, $24.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $105K approved, $105K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Savings Bank of Champaign-Urbana
What are First Federal Savings Bank of Champaign-Urbana's total assets?
As of the Q2 2026 filing, First Federal Savings Bank of Champaign-Urbana reported total assets of $192.5 million in its FFIEC call report.
Where is First Federal Savings Bank of Champaign-Urbana headquartered?
It is headquartered in Champaign, IL, United States.
When was First Federal Savings Bank of Champaign-Urbana founded?
It was established in 1908, per the FDIC institution directory.
Is First Federal Savings Bank of Champaign-Urbana FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings Bank of Champaign-Urbana?
First Federal Savings Bank of Champaign-Urbana's primary federal regulator is the OCC.
How many branches does First Federal Savings Bank of Champaign-Urbana operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings Bank of Champaign-Urbana's Texas Ratio?
Its Texas Ratio is 0.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Federal Savings Bank of Champaign-Urbana previously called?
The charter now named First Federal Savings Bank of Champaign-Urbana has also operated as First Federal Savings and Loan Association of Champaign-Urbana (1991-1995), per FDIC structure-change records.
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