Bank Safety Analysis
Is First Federal Savings Bank of Champaign-Urbana Safe? Champaign, Illinois
Based on its Q2 2026 call report, First Federal Savings Bank of Champaign-Urbana meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.39%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First Federal Savings Bank of Champaign-Urbana safe?
On its Q2 2026 call report, First Federal Savings Bank of Champaign-Urbana's Community Bank Leverage Ratio is 12.71%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 12.71%
- Texas ratio (Q2 2026): 0.39%
- Noncurrent loans ratio (Q2 2026): 0.09%
First Federal Savings Bank of Champaign-Urbana is an FDIC-insured savings institution (FDIC Certificate #28445). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Federal Savings Bank of Champaign-Urbana (FDIC Certificate #28445) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
First Federal Savings Bank of Champaign-Urbana passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Return on assets fell 0.20 percentage points from Q1 2026 to Q2 2026, ending at 1.79% against 1.99%. It was the largest change among the key lines on this page. Within Illinois, First Federal Savings Bank of Champaign-Urbana is 82nd of 319 on leverage ratio, 12.71% as of Q2 2026. The median for banks in the $100M-1B asset tier is 10.95% on leverage ratio. First Federal Savings Bank of Champaign-Urbana sits 1.75 points higher, at 12.71% (Q2 2026). From Q3 2023 to Q2 2026, First Federal Savings Bank of Champaign-Urbana's Texas ratio ranged between 0.39% (Q2 2026) and 0.85% (Q3 2023). Between Q2 2025 and Q2 2026, First Federal Savings Bank of Champaign-Urbana's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.08% to 0.09%, Texas ratio fell from 0.52% to 0.39% and return on assets fell from 1.87% to 1.79%.
Of the 319 banks headquartered in Illinois, First Federal Savings Bank of Champaign-Urbana is the 202nd largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $79.1M of $117.1M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, First Federal Savings Bank of Champaign-Urbana's community bank leverage ratio of 12.71% is above the 10.95% median, nonperforming loans ratio of 0.09% is below the 0.41% median, Texas ratio of 0.39% is below the 2.65% median, and efficiency ratio of 63.71% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does First Federal Savings Bank of Champaign-Urbana score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does First Federal Savings Bank of Champaign-Urbana trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.39% | Within range |
| Non-performing loan ratio BankRegReports band | 0.09% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 71.57% | Within range |
| Commercial real estate to capital supervisory threshold | 90.96% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.39% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.39% |
| Q1 2026 | 0.42% |
| Q4 2025 | 0.54% |
| Q3 2025 | 0.48% |
| Q2 2025 | 0.52% |
| Q1 2025 | 0.55% |
| Q4 2024 | 0.57% |
| Q3 2024 | 0.58% |
| Q2 2024 | 0.61% |
| Q1 2024 | 0.62% |
| Q4 2023 | 0.66% |
| Q3 2023 | 0.85% |
Loans by type, Q2 2026
- 1-4 family residential loans: $79.1M
- Multifamily loans: $12.9M
- Non-owner-occupied commercial real estate loans: $8.1M
- Owner-occupied commercial real estate loans: $7.6M
- Construction and land development loans: $3.2M
- Commercial and industrial loans: $2.9M
- Auto loans: $960K
- Other consumer loans: $784K
How have First Federal Savings Bank of Champaign-Urbana's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $192.5M | 12.71% | 0.09% | 0.39% | 63.71% |
| Mar 31, 2026 | $202.0M | 12.35% | 0.10% | 0.42% | 62.17% |
| Dec 31, 2025 | $198.3M | 12.83% | 0.13% | 0.54% | 66.20% |
| Sep 30, 2025 | $186.5M | 12.50% | 0.11% | 0.48% | 69.08% |
| Jun 30, 2025 | $189.9M | 12.32% | 0.08% | 0.52% | 63.98% |
| Mar 31, 2025 | $199.4M | 11.85% | 0.08% | 0.55% | 62.44% |
| Dec 31, 2024 | $190.8M | 11.70% | 0.09% | 0.57% | 64.62% |
| Sep 30, 2024 | $188.3M | 11.64% | 0.09% | 0.58% | 61.92% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Federal Savings Bank of Champaign-Urbana FDIC insured?
Yes. First Federal Savings Bank of Champaign-Urbana is an FDIC-insured savings institution (FDIC Certificate #28445). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Federal Savings Bank of Champaign-Urbana well capitalized?
On its Q2 2026 call report, First Federal Savings Bank of Champaign-Urbana's Community Bank Leverage Ratio is 12.71%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First Federal Savings Bank of Champaign-Urbana's key safety ratios?
For Q2 2026, First Federal Savings Bank of Champaign-Urbana reports leverage 12.71%, Texas ratio 0.39%, noncurrent loans 0.09%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if First Federal Savings Bank of Champaign-Urbana fails?
For Q2 2026, First Federal Savings Bank of Champaign-Urbana reported $163.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows First Federal Savings Bank of Champaign-Urbana’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full First Federal Savings Bank of Champaign-Urbana profile.
How we score this
First Federal Savings Bank of Champaign-Urbana elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.