First Federal Savings Bank of Champaign-Urbana: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 7.11 percentage points in Q2 2026, from 64.46% to 71.57%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Federal Savings Bank of Champaign-Urbana is 196th of 323 on loan-to-deposit ratio, 71.57% as of Q2 2026, below the middle of the field. First Federal Savings Bank of Champaign-Urbana reported 71.57% on loan-to-deposit ratio for Q2 2026, 9.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.1M |
| Net loans and leases | $116.0M |
| Loans held for sale | $309K |
| Loans to total assets | 60.82% |
| Loan-to-deposit ratio | 71.57% |
| Net loans to equity capital | 4.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.38% |
| Multifamily (5+ residential) | 10.98% |
| Commercial and industrial | 2.44% |
| Consumer | 1.60% |
| Credit cards | 0.00% |
| Farm | 1.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.96% |
| Construction concentration (Tier 1 capital + allowance) | 12.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $96.4M | $169.5M | 19.71% | 6.44% | 1.57% |
| Q4 2023 | $94.6M | $167.6M | 19.51% | 4.85% | 1.79% |
| Q1 2024 | $98.5M | $174.5M | 19.07% | 4.50% | 1.83% |
| Q2 2024 | $102.6M | $168.7M | 18.46% | 4.09% | 1.62% |
| Q3 2024 | $106.9M | $162.4M | 17.64% | 3.97% | 1.58% |
| Q4 2024 | $107.9M | $165.4M | 15.24% | 3.85% | 1.47% |
| Q1 2025 | $109.9M | $172.5M | 14.27% | 2.63% | 1.31% |
| Q2 2025 | $110.4M | $162.2M | 14.11% | 2.54% | 1.29% |
| Q3 2025 | $112.0M | $159.1M | 14.57% | 2.51% | 1.50% |
| Q4 2025 | $111.0M | $170.8M | 14.04% | 1.75% | 1.54% |
| Q1 2026 | $112.2M | $174.1M | 13.81% | 2.42% | 1.51% |
| Q2 2026 | $117.1M | $163.6M | 13.38% | 2.44% | 1.60% |
First Federal Savings Bank of Champaign-Urbana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Champaign-Urbana, freeSource: Call Report Schedule RC-C, 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 of Champaign-Urbana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28445) · FFIEC NIC profile (RSSD 346771)