First Federal Savings Bank of Mascoutah, Illinois: 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 2.18 percentage points in Q2 2026, from 44.56% to 46.74%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Federal Savings Bank of Mascoutah, Illinois is 221st of 323 on return on assets, 0.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Federal Savings Bank of Mascoutah, Illinois sits 0.37 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.33% |
| Tier 1 risk-based capital ratio | 15.33% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 10.46% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.12% |
| Non-performing assets ratio | 1.67% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 15.87% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 46.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 9.04% |
| Net interest margin | 2.93% |
| Efficiency ratio | 57.10% |
| Yield on earning assets | 5.46% |
| Cost of funds | 2.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.18% |
| Core deposits to total deposits | 83.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.40% |
| Securities to assets | 15.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.38% | 15.38% | 16.31% | 10.02% | 0.50% |
| Q4 2023 | 15.40% | 15.40% | 16.34% | 10.15% | 0.55% |
| Q1 2024 | 16.01% | 16.01% | 17.01% | 10.20% | 0.52% |
| Q2 2024 | 16.39% | 16.39% | 17.43% | 10.33% | 0.49% |
| Q3 2024 | 15.78% | 15.78% | 16.78% | 10.53% | 0.65% |
| Q4 2024 | 14.52% | 14.52% | 15.44% | 10.20% | 0.83% |
| Q1 2025 | 15.13% | 15.13% | 16.11% | 10.12% | 0.83% |
| Q2 2025 | 15.15% | 15.15% | 16.16% | 10.17% | 0.71% |
| Q3 2025 | 15.40% | 15.40% | 16.47% | 10.34% | 0.83% |
| Q4 2025 | 15.91% | 15.91% | 17.06% | 10.53% | 0.83% |
| Q1 2026 | 15.53% | 15.53% | 16.68% | 10.46% | 0.82% |
| Q2 2026 | 15.33% | 15.33% | 16.49% | 10.46% | 0.88% |
First Federal Savings Bank of Mascoutah, Illinois 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 Mascoutah, Illinois, 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 Mascoutah, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30969) · FFIEC NIC profile (RSSD 966272)