First Federal Savings Bank of Champaign-Urbana: 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.
Reserve coverage of non-performing loans climbed 68.13 percentage points in Q2 2026, from 930.00% to 998.13%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings Bank of Champaign-Urbana ranks 49th of 323 Illinois banks on return on assets, in the upper half at 1.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Federal Savings Bank of Champaign-Urbana sits 0.54 points higher, at 1.79% (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 | 12.71% |
| Equity capital to assets | 13.78% |
| Tangible equity to tangible assets | 13.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.39% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 998.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 13.83% |
| Net interest margin | 5.41% |
| Efficiency ratio | 63.71% |
| Yield on earning assets | 5.42% |
| Cost of funds | 0.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.57% |
| Core deposits to total deposits | 99.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.98% |
| Securities to assets | 23.44% |
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 | 10.10% | 1.41% | 4.48% | 0.11% | -0.00% |
| Q4 2023 | 10.63% | 1.45% | 4.91% | 0.11% | 0.01% |
| Q1 2024 | 10.97% | 1.97% | 5.43% | 0.10% | 0.00% |
| Q2 2024 | 10.80% | 2.02% | 5.57% | 0.09% | 0.00% |
| Q3 2024 | 11.64% | 1.99% | 5.74% | 0.09% | 0.00% |
| Q4 2024 | 11.70% | 1.82% | 5.73% | 0.09% | 0.00% |
| Q1 2025 | 11.85% | 1.93% | 5.62% | 0.08% | 0.00% |
| Q2 2025 | 12.32% | 1.87% | 5.60% | 0.08% | -0.01% |
| Q3 2025 | 12.50% | 1.63% | 5.73% | 0.08% | -0.00% |
| Q4 2025 | 12.83% | 1.70% | 5.65% | 0.10% | 0.00% |
| Q1 2026 | 12.35% | 1.99% | 5.45% | 0.10% | 0.00% |
| Q2 2026 | 12.71% | 1.79% | 5.41% | 0.09% | -0.00% |
First Federal Savings Bank of Champaign-Urbana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Champaign-Urbana, 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 of Champaign-Urbana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28445) · FFIEC NIC profile (RSSD 346771)