Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs First Federal Savings Bank of Champaign Urbana
Bank
First Federal Savings Bank of Champaign Urbana
Champaign, Illinois · $100 million – $1 billion
Metric by metric
| Measure | First State Bank Shannon-Polo | First Federal Savings Bank of Champaign Urbana |
|---|---|---|
| TellerScore | 51 | 90 (stronger) |
| Capital cushion | 53 | 77 (stronger) |
| Loan quality | 12 | 97 (stronger) |
| Earnings | 58 | 97 (stronger) |
| Funding & liquidity | 93 (stronger) | 89 |
| Problem-loan coverage | 67 | 99 (stronger) |
| Peer percentile | 8th | 95th |
| Total assets | $190.5M | $192.5M |
| Deposits / shares | $167.1M | $163.6M |
| Capital ratio | 10.31% | 12.71% (stronger) |
| Problem loans | 2.64% | 0.09% (stronger) |
| Net charge-offs | 0.53% | 0.00% (stronger) |
| Return on assets | 0.94% | 1.92% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 70.9% |
| Uninsured deposits | 17.7% | 13.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
First Federal Savings Bank of Champaign Urbana has the higher TellerScore (90 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 1 and First Federal Savings Bank of Champaign Urbana on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.