First Federal Savings and Loan Association of Central Illinois, S.B.: how it compares with its peers
Against 145 IL banks with half to twice its assets, First Federal Savings and Loan Association of Central Illinois, S.B.'s strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.72% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.17% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.72% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.73% | 64.26% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.5M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.39% | 74.61% | Context |
What it means for lending operations
Its efficiency ratio of 69.73% is above the 64.26% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Crossroads Bank Effingham, IL · $235M
- Warren-Boynton State Bank New Berlin, IL · $235M
- Anna-Jonesboro National Bank Anna, IL · $234M
- West Central Bank Ashland, IL · $232M
- Farmers State Bank of Hoffman Hoffman, IL · $232M
- Bank of Farmington Farmington, IL · $240M
Questions about First Federal Savings and Loan Association of Central Illinois, S.B.
How big is First Federal Savings and Loan Association of Central Illinois, S.B.?
First Federal Savings and Loan Association of Central Illinois, S.B., established in 1906, is headquartered in Shelbyville, IL. It reported $235M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s return on assets?
0.96% annualized in Q2 2026, against a 1.17% median for 145 IL banks with half to twice its assets, ahead of 36% of them.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s efficiency ratio?
69.73% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.26%, and lower is better.
Is First Federal Savings and Loan Association of Central Illinois, S.B. growing its loans?
Net loans grew 9.9% over the year to Q2 2026, while deposits grew 11.8%.
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.