First Federal Savings Bank of Champaign-Urbana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings Bank of Champaign-Urbana of Champaign, 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 | 1.79% | 1.34% | +0.45% | 78th top |
| ROAE | 13.83% | 13.31% | +0.52% | 59th above |
| Net Interest Margin | 5.41% | 3.93% | +1.48% | 97th top |
| Efficiency Ratio | 63.71% | 61.14% | +2.57% | 43rd below |
| PPNR / Avg Assets | 2.55% | 1.68% | +0.87% | 90th top |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 0.02% | 1.88% | -1.86% | 100th top |
| Net Interest Spread | 5.39% | 3.32% | +2.07% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 998.13% | 1538.78% | -540.65% | 83rd top |
| Texas Ratio | 0.39% | 7.33% | -6.94% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.71% | 12.14% | +0.57% | 72nd above |
| Equity / Assets | 13.78% | 11.37% | +2.41% | 83rd top |
| TCE / Tangible Assets | 13.57% | 11.09% | +2.48% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.57% | 80.64% | -9.07% | 68th above |
| Core Deposit Ratio | 99.45% | 86.86% | +12.59% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.42% | 6.85% | -5.43% | 28th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.10% | 7.90% | -1.80% | 55th above |
| Deposit Growth (Y/Y) | 0.90% | 6.29% | -5.39% | 28th below |
See First Federal Savings Bank of Champaign-Urbana'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 Bank of Champaign-Urbana, 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 Bank of Champaign-Urbana profile, how to read a UBPR, or how this data updates.