TellerScore

First Federal Savings Bank of Champaign Urbana (FDIC certificate #28445) is based in Champaign, Illinois. Its Q2 2026 call report shows $192.5M in total assets and $163.6M in deposits and 2 offices.

First Federal Savings Bank of Champaign Urbana has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 18th. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (77/100, 12.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.71%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 70.9% · 13.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).

TellerScore
878990Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202488
Q4 202488
Q1 202589
Q2 202589
Q3 202589
Q4 202590
Q1 202690
Q2 202690
Tier 1 leverage ratio
5.00%8.92%12.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.80%
Q3 202411.64%
Q4 202411.70%
Q1 202511.85%
Q2 202512.32%
Q3 202512.50%
Q4 202512.83%
Q1 202612.35%
Q2 202612.71%
Noncurrent loans
0.08%0.10%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.09%
Q4 20240.09%
Q1 20250.08%
Q2 20250.08%
Q3 20250.11%
Q4 20250.13%
Q1 20260.10%
Q2 20260.09%
Return on assets
1.79%1.90%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.02%
Q3 20242.02%
Q4 20241.96%
Q1 20251.94%
Q2 20251.92%
Q3 20251.83%
Q4 20251.79%
Q1 20261.99%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$192.5M12.71%0.09%1.92%70.9%
Q1 202690$202.0M12.35%0.10%1.99%63.9%
Q4 202590$198.3M12.83%0.13%1.79%64.4%
Q3 202589$186.5M12.50%0.11%1.83%69.7%
Q2 202589$189.9M12.32%0.08%1.92%67.4%
Q1 202589$199.4M11.85%0.08%1.94%63.1%
Q4 202488$190.8M11.70%0.09%1.96%64.7%
Q3 202488$188.3M11.64%0.09%2.02%65.2%
Q2 202487$193.4M10.80%0.09%2.02%60.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.71%
72nd
Total risk-based capital0.00%
24th
Problem loans0.09%
75th
Net charge-offs0.00%
68th
Return on assets1.92%
85th
Net interest margin5.57%
97th
Efficiency ratio62.9%
48th
Loans to deposits70.9%
68th
Uninsured deposits13.4%
86th
Loan-loss reserves0.91%
18th
Texas ratio0.4%
79th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
Community Bank of ElmhurstBank Elmhurst, IL72 out of 100, Strong$194.5M9.9%0.02%vs
Great Rivers BankBank Barry, IL81 out of 100, Strong$194.6M11.2%0.11%vs
First State Bank Shannon-PoloBank Shannon, IL51 out of 100, Below average$190.5M10.3%2.64%vs
Central Federal Savings and Loan AssociationBank Cicero, IL61 out of 100, Moderate$194.6M10.3%0.65%vs
Jersey State BankBank Jerseyville, IL75 out of 100, Strong$190.1M13.3%1.18%vs

Deposit insurance

Is my money safe at First Federal Savings Bank of Champaign Urbana?

Yes. First Federal Savings Bank of Champaign Urbana is an FDIC-insured institution (FDIC certificate #28445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.4% of deposits ($21.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First Federal Savings Bank of Champaign Urbana lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings Bank of Champaign Urbana reported 115 home-loan applications under HMDA (LEI 254900KX4PZDHAK8I871): 111 originated ($24,185,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Federal Savings Bank of Champaign Urbana
Former names
First Federal Savings and Loan Association of Champaign; First Federal Savings and Loan Association of Champaign-Urbana
Type
Savings bank
FDIC certificate #
28445
RSSD ID
346771
Primary regulator
OCC
Holding company
Great American Bcorp Inc
Established
January 1, 1908
Headquarters
1311 S Neil St, Champaign, IL 61820
Employees
48

Quick answers

First Federal Savings Bank of Champaign Urbana: common questions

Is First Federal Savings Bank of Champaign Urbana FDIC insured?

Yes. First Federal Savings Bank of Champaign Urbana is an FDIC-insured institution (FDIC certificate #28445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings Bank of Champaign Urbana's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Federal Savings Bank of Champaign Urbana ever failed?

There is no failure record for FDIC certificate #28445 in the FDIC failed bank list.

How many branches does First Federal Savings Bank of Champaign Urbana have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Champaign

InstitutionScoreAssetsCapitalProblem loansCompare
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Villa Grove State BankBank Villa Grove, IL86 out of 100, Very strong$85.9M12.2%0.00%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Bank of RantoulBank Rantoul, IL82 out of 100, Strong$285.8M10.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs