First Federal Savings Bank of Champaign Urbana: how it compares with its peers
Against 141 IL banks with half to twice its assets, First Federal Savings Bank of Champaign Urbana's strongest measure in Q2 2026 is net interest margin (5.57% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.92% | 1.17% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.57% | 3.74% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.93% | 64.64% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $6.5M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.92% | 74.31% | Context |
What it means for lending operations
Its efficiency ratio of 62.93% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Liberty Bank Liberty, IL · $194M
- Community Bank of Elmhurst Elmhurst, IL · $194M
- Great Rivers Bank Barry, IL · $195M
- First State Bank Shannon-Polo Shannon, IL · $190M
- Central Federal Savings and Loan Association Cicero, IL · $195M
- Jersey State Bank Jerseyville, IL · $190M
Questions about First Federal Savings Bank of Champaign Urbana
How big is First Federal Savings Bank of Champaign Urbana?
First Federal Savings Bank of Champaign Urbana, established in 1908, is headquartered in Champaign, IL. It reported $193M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Federal Savings Bank of Champaign Urbana's return on assets?
1.92% annualized in Q2 2026, against a 1.17% median for 141 IL banks with half to twice its assets, ahead of 90% of them.
What is First Federal Savings Bank of Champaign Urbana's efficiency ratio?
62.93% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is First Federal Savings Bank of Champaign Urbana growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.